Work with experienced loan officers who put your needs first. Fast approvals, great rates, and a hassle-free homebuying experience start here. Connect with a local loan officer to get started on your mortgage journey.
Buying a home is a big step, and we’re here to make it easier. Perch connects you with expert loan officers who provide clear guidance and personalized mortgage solutions. With us, you’ll feel confident in every decision.
Know Your Budget Before You Shop
A mortgage pre-approval shows how much home you can afford, making your search easier and giving you an edge in competitive markets. Our loan officers guide you through the process. Shop with confidence.
Get Pre-Approved Today
Find the Right Loan for Your New Home
Whether you’re a first-time buyer or upgrading to your dream home, Perch makes getting a mortgage simple. We connect you with expert loan officers who help you find the best rates and terms for your needs.
Start Your Home Loan Application
Lower Your Rate or Tap Into Your Equity
Refinancing can help you reduce your monthly payments, pay off your loan faster, or access cash from your home’s equity. Our team will help you explore your options and make the process hassle-free.
See Your Refinance OptionsChoosing the right mortgage is an important step in your homeownership journey. Whether you’re buying your first home, refinancing, or upgrading to your dream home, understanding your loan options can help you make the best decision. Here are five of the most common loan types to consider:
A conventional loan is one of the most common mortgage options for homebuyers with strong credit and steady income. These loans aren’t backed by the government, which means they often come with stricter qualification requirements but offer flexibility in loan terms.
An FHA loan is backed by the Federal Housing Administration, making it a great option for first-time homebuyers and those with lower credit scores. This loan allows for a lower down payment and has more flexible qualification requirements.
VA loans are designed exclusively for eligible veterans, active-duty service members, and qualifying spouses. These loans offer significant benefits, including no down payment and no private mortgage insurance (PMI), making homeownership more affordable for those who have served.
For buyers looking at high-value properties that exceed conventional loan limits, a jumbo loan is the right choice. These loans allow borrowers to finance luxury homes or properties in expensive real estate markets.
A USDA loan is a government-backed mortgage designed for buyers in eligible rural and suburban areas. It offers a path to homeownership with no down payment and lower interest rates for qualified buyers.