Mortgages by Ernie
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    Home Purchase

    Your Journey to Homeownership

    Get pre-approved in minutes and explore loan programs tailored to your unique financial goals.

    Check Your Eligibility

    Explore Our Loan Programs

    From first-time buyers to seasoned investors, we have the right program for every situation.

    30 Year Fixed Mortgage

    The most popular choice for homebuyers. Enjoy the stability of a consistent monthly payment that never changes for the entire life of your loan.

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    15 Year Fixed Mortgage

    Build equity faster and save thousands in interest over time. Ideal for those who want to pay off their home sooner with a slightly higher monthly payment.

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    Adjustable Rate Mortgage (ARM)

    Typically offers a lower initial interest rate than fixed-rate loans. A great option if you plan to move or refinance within a few years.

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    FHA Loans

    Perfect for first-time buyers or those with less-than-perfect credit. Requires a down payment as low as 3.5% and has flexible qualification rules.

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    VA Loans

    A specialized benefit for veterans and active-duty military. Offers $0 down payment, no private mortgage insurance, and competitive interest rates.

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    Jumbo Loans

    For higher-priced properties that exceed standard conforming loan limits. We offer competitive rates and flexible terms for luxury home financing.

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    203k Loans

    The FHA's primary program for the rehabilitation and repair of single-family properties. Wrap your home purchase and renovation costs into one loan.

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    USDA Loans

    Designed to help low-to-moderate income earners purchase homes in eligible rural and suburban areas with 0% down payment options.

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    HARP Loans

    Designed for homeowners who are 'underwater' on their mortgage. Refinance into a more stable or affordable loan even if you have little equity.

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    Reverse Mortgage

    For homeowners 62 and older. Convert a portion of your home equity into cash without having to make monthly mortgage payments.

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    Non-QM Loans

    Flexible financing for borrowers who don't meet traditional 'Qualified Mortgage' guidelines. Ideal for self-employed individuals, investors, and those with unique income situations.

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    Free Resource

    Download Our First-Time Homebuyer Guide

    Everything you need to know about the home buying process, from saving for a down payment to closing day. Avoid common pitfalls and buy with confidence.

    • Step-by-step roadmap to closing
    • Hidden costs to watch out for
    • Credit score improvement tips
    • Comparison of loan programs

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    Need a custom strategy?

    Our expert loan officers are here to help you navigate your options and find the perfect mortgage solution for your needs.