Buying a home is exciting, but choosing the right mortgage is just as important. We’ll help you find a loan that fits your budget and long-term goals, so you can move forward with confidence.
Buying a home is a big decision, and our experienced loan officers are here to simplify the process. Whether you’re a first-time buyer or a seasoned homeowner, we’ll help you understand your loan options and guide you through every step.
We work with a variety of lenders to find loan programs that fit your financial goals. From fixed-rate mortgages to adjustable-rate options, we’ll help you secure the best terms possible based on your needs.
With Perch, getting a mortgage doesn’t have to be complicated. Our easy application process, fast pre-approvals, and dedicated support team ensure a smooth experience—so you can focus on finding the perfect home.
A fixed-rate mortgage keeps your monthly principal and interest payments the same for the entire loan term, providing stability and predictability. This is a great choice if you plan to stay in your home long-term and want to lock in a consistent rate, protecting you from future market fluctuations.
An ARM starts with a lower interest rate for an initial fixed period (typically 5, 7, or 10 years), then adjusts periodically based on market rates. This option can be ideal if you plan to move or refinance before the rate adjusts, allowing you to take advantage of lower initial payments.
FHA and VA loans provide government-backed financing with benefits tailored to specific buyers. FHA loans are ideal for first-time or lower-credit buyers, requiring as little as 3.5% down. VA loans, available to eligible military service members and veterans, offer no down payment and competitive rates.
Before you start house hunting, getting pre-approved helps you understand how much home you can afford. A pre-approval also shows sellers you’re a serious buyer, giving you an edge in competitive markets.
With your pre-approval in hand, you can confidently shop for homes within your budget. Work with a real estate agent to tour properties, compare options, and make an informed decision.
Once you’ve found a home, we’ll guide you through the mortgage application process. We’ll help you choose the right loan, submit your paperwork, and keep things moving smoothly toward approval.
With your pre-approval in hand, you can confidently shop for homes within your budget. Work with a real estate agent to tour properties, compare options, and make an informed decision.
After your loan is approved, it’s time to sign the final documents and receive the keys! We’ll ensure you understand the closing process so you can move into your new home with confidence.