We are Here to Help You Realize Your

Dream of Home Ownership

Welcome to Ownership Mortgage! We are experienced home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.


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Mortgage Calculator

Use the calculator to find out how much your monthly payment will be.

How homework

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Budget & Down Payment

One of the most important steps in purchasing a home is to determine your budget and save for a down payment. The first step is to calculate your monthly income and expenses, including debt payments, to see how much you can afford to spend on a new home. Once you have an idea of your budget, you can start setting aside money for a down payment. Experts recommend saving at least 10% of the purchase price, but 20% is even better. If you are able to put down a larger down payment, you may be able to qualify for a lower interest rate on your mortgage. Regardless of the size of your down payment, be sure to create a budget and stick to it so that you can make the most of your new home purchase.

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Connect With an Agent

When you’re ready to buy a house, it’s time to start working with a real estate agent. A good agent will know the ins and outs of your market, and can help you find a home that fits both your needs and your budget. Once you’ve found the perfect property, it’s time to make an offer. Your agent will help you negotiate the terms of the sale, and will then present the seller with a purchase contract. This document will spell out all the details of the sale, including the price, the closing date, and any contingencies. Once both parties have signed the contract, you’re on your way to becoming a homeowner!

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Get Pre-Approved

Applying for a mortgage can be a confusing and time-consuming process, but at Ownership Mortgage, we make it easy. We offer pre-approvals so that you know your buying power and can show sellers that you’re serious about buying a home. Our monthly payment options make it easy to budget for your mortgage, and our experienced loan officers will work with you to find the best loan for your needs. So whether you’re a first-time homebuyer or an experienced buyer, we can help you get the best mortgage for your situation.

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Appraisal, Underwriting, & Closing

The purchase of a home is a complex process, and there are a number of steps that must be completed before the sale can be finalized. One of the first steps is the appraisal, which is conducted to determine the value of the property. Next, underwriters will review the financials to ensure that all of the necessary requirements are met. Once everything has been approved, it will be time to close on the sale and move into the new home.

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Why Refinance?

When considering refinancing your mortgage, it’s important to first determine your goals. Do you want to lower your monthly payment? Pay your mortgage off faster? Or consolidate debt with a cash-out refi? Once you know what you’re hoping to achieve, you can start to compare refinance rates and terms from with Ownership Mortgage.

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Lock in Your Loan

Interest rates on home loans are always changing. If you’re considering refinancing your home loan, it’s important to lock in your new mortgage rate as soon as you’re ready. This will ensure that you get the best possible rate and terms for your loan. You can usually lock in your rate for 30, 60, or 90 days. The length of time you choose will depend on how long it takes to process your loan application and close on your new loan. Once you’ve locked in your rate, it will remain the same even if interest rates go up or down during that time period. So if you’re ready to refinance, don’t delay – apply today and lock in a great rate on your new home loan.

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Do the Math

Refinancing your mortgage can be a great way to save money, but it’s important to do the math before you decide whether or not to refinance. There are a number of factors to consider, including the length of your new loan, the new interest rate, and any fees associated with refinancing. You’ll also need to factor in how much you’ll save each month as a result of the lower interest rate. run the numbers and compare them to your current mortgage terms to see if refinancing makes sense for you.

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Closing on Your Refinance

If you’re considering refinancing your home, it’s important to understand the process. Closing on a refinance is similar to the process you went through when you originally purchased your home. You’ll need to have an appraisal done, go through underwriting, and then close on the mortgage. However, this time you’ve already moved in to your home. Keep in mind that you’ll need to provide documentation of your current income and employment situation, as well as any debts or other financial obligations you have. Once everything is approved, you’ll be able to close on the refinance and enjoy its benefits.

Our team

We have been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. We are committed to helping borrowers overcome the frequent roadblocks that can arise while securing a loan. We have a proven track record of success and we are proud to have helped so many people achieve their dream of homeownership.

What makes us stand out

Volume of Loans Closed

Dedicated Team Members

States Where We Can Provide Mortgage Loans

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