Your home, your terms. Whether you're purchasing or refinancing, we offer numerous term lengths and loan types (fixed, adjustable, and jumbo) with down payments as low as 3%. ; No lender fees. We know pricing matters. That’s why we don’t charge lender fees, including the application, origination, processing, and underwriting fees of your loan.
If you’re serious about buying a home, you need to get pre-approved for a mortgage. Learn what is required so you can speed up the approval process.
Today’s lowest auto financing rate1 ; As low as · 6.96% APR · To qualify for the lowest rate, you must meet the following conditions:
A cornerstone in laying the foundation for home ownership is getting pre-approved for a mortgage. When you secure a mortgage pre-approval, it gives you a clear picture of how much you can borrow and also shows sellers you’re a serious buyer. Don’t confuse mortgage pre-approval with pre-qualification. Unlike pre-qualification, which offers a rough estimate based on self-reported information, pre-approval involves a detailed review of your financial history, including your credit score, income, assets, and liabilities. It takes more time than ...
When you start to get serious about buying a home, a mortgage pre-approval is an important first step. Getting pre-approved for a mortgage lets you know how much money you can borrow, the range of interest rates you qualify for and the different mortgage options available to you. According to Zillow’s Consumer Housing Trends Report 2022, 85% of sellers say that they prefer to accept an offer from a buyer that is pre-approved. In many cases, buyers agents also prefer you to have a pre-approval letter before they start showing you potential pro ...
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Type of fee, Applicable charges ; Rate of interest, 11% to 32% p.a. ; Processing fees, Up to 3.93% of the loan amount (inclusive of applicable taxes). ; Flexi Fee, Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above *All the Flexi charges above are inclusive of applicable taxes *Loan amount includes approved loan amount, insurance premium, and VAS charges. ; Bounce charges, Rs. 700 - Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason ; Part-prepayment charges, Full pre-payment Term Loan : Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part pre-payment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid . *Foreclosure will be processed post clearance of first EMI ; Penal charge, Delay in payment of instalment(s) shall attract penal charge of Rs. 8 - Rs. 12 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount. ; Stamp duty (as per respective state), Payable as per state laws and deducted upfront from loan amount. ; Annual maintenance charges, Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. ; Broken period interest / Pre-monthly Instalment interest, Broken Period Interest/Pre-monthly instalment Interest" shall mean the amount of interest on loan for the number of day(s) which is (are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan. Method of recovery of Broken Period Interest/pre-monthly instalment interest: For Term Loan: Deduct from disbursement or added in first EMI, as applicable. For Flexi Term Loan: Added to first instalment amount. For Hybrid Flexi Loan: Added to first instalment amount. Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, interest on first instalment will be charged for actual number of days.
Mortgage pre-approval can show sellers you're a serious and credible buyer. Speak to a lender who can help you get pre-approved for a home loan in minutes.