New Home Purchase

We Put the Happiness Back Into Home Loans

The process of buying a home should never be intimidating or frustrating. Our experienced mortgage bankers handle the entire process in-house and guide you every step of the way. Our Rate Guarantee and Close-On-Time Guarantee ensure you receive the special attention you deserve.

How Resource Helps

Our streamlined 5-day Process makes buying or refinancing a home incredibly fast and easy. Our in-house underwriters and decision-makers cut through the red tape quickly to solve problems and process your loan in five days.

Best Options

Conventional

Conventional

Conventional fixed mortgages have a set interest rate for the life of the loan, which can be five to 30 years. They also allow you to lock in a low interest rate.

USDA Loan

USDA Loan

If you’re buying a home in an area designated by United States Department of Agriculture (USDA) as a USDA rural area, you may qualify for a loan with low interest rates, no money down and 100% financing.

Adjustable

Adjustable

Adjustable rate mortgages start you off with lower payments and may adjust to a new rate (higher or lower depending on the financial index) after a specified term.

Home Renovation Loan

Home Renovation Loan

A home renovation loan allows you to borrow based on what your home is expected to be worth after the renovations are complete. This spreads the construction costs throughout the term of the loan.

FHA Home Loan

FHA Home Loan

The Federal Housing Authority (FHA) has programs to help homeowners with a lower qualifying income, low credit scores or a lack of credit history get a loan.

Jumbo Loan

Jumbo Loan

If your loan amount is higher than the conforming loan limit set by the Federal Housing Finance Agency, you may need a jumbo loan. Mortgage rates and down payments can be higher with stricter guidelines.

VA Home Loan

VA Home Loan

The Veterans Affairs (VA) loan is for active-duty service members, veterans and their family members. The loan has fewer restrictions and no down payment.

Lowest Rates. Best Terms.

Lowest Rates. Best Terms.

Our mortgage bankers will always give you the lowest rate possible with the best terms for your budget and your financial goals.

Mortgage Checklist

Be ready to provide this information to help process your loan:

  • Your Social Security number
  • Current pay stubs, or if self-employed, your tax returns for the past two years
  • Bank statements for the past two months
  • Investment account statements for the past two months

If you currently own real estate:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)

How Much Home Can You Afford? What Will Your Payments Be Each Month?

Your Resource Mortgage Banker will help you understand the upfront costs associated with buying a home, including your down payment, home inspection and closing costs. They will also discuss the recurring expenses that include mortgage payments, private mortgage insurance, homeowners insurance and property taxes so you can create an accurate budget before you buy. This simple calculator can help.

Get Started on Your New Loan Today