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We recognize that the dream of owning a home is a personal and emotional one. We are here to provide you with as much information as you need to start your mortgage journey.
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For a fixed-rate mortgage, the interest rate does not change over the life of the loan. With an adjustable-rate mortgage (ARM), the interest rate will go up or down based on a market index.
Fixed rate mortgages are suited for buyers who plan on living in their home for a longer period and want to avoid the risk of rising interest rates.
On the other hand, initial adjusted interest rates tend to be lower, and then have the potential to rise over time. Buyers might seek an adjustable interest rate if they plan on selling their home within a shorter period.
A pre-qualification is a letter from the lender giving you an estimate of the loan amount that you may be eligible for. It’s a monetary first impression to help you begin the process of buying a home.
With a pre-approval, you have an actual statement from the lender saying that you qualify for a specific mortgage amount. The pre-approval gives you a competitive advantage when looking for a home, because it lets the seller know that you are able to make an offer for their home
The information needed to get pre-approved may vary by lender and individual circumstances. These include, but may not be limited to:
Pre-approval speed depends on each individual loan scenario. However, the pre-approval process is usually fairly quick. After filling out an application online, one of our mortgage professionals will reach out you within the next business day (typically 24 hours).
A Single Close Construction Loan is a home mortgage that can be used to close both the construction loan and permanent financing of a new home at the same time.
30-YR Fixed Rate Conventional
The rate scenario is based on a home purchase of a 30-year fixed-rate mortgage in Wisconsin with a loan amount of $200,000 and a 30% down payment. The rate of 2.875% is based on a 740 FICO score and a 30-day lock, which equates the monthly mortgage principal and interest payment of $830.00. The annual percentage rate (APR) is 2.914%.
15-YR Fixed Rate Conventional
The rate scenario is based on a home purchase of a 15-year fixed-rate mortgage in Wisconsin with a loan amount of $200,000 and a 30% down payment. The rate of 2.250% is based on a 740 FICO score and a 30-day lock, which equates the monthly mortgage principal and interest payment of $1,310.00 The annual percentage rate (APR) is 2.321%.
30-YR Fixed Rate FHA
The rate scenario is based on a home purchase of a 30-year fixed-rate mortgage in Wisconsin with a loan amount of $200,000 and a 3.5% down payment. The rate of 2.750% is based on a 740 FICO score and a 30-day lock, which equates the monthly mortgage principal and interest payment of $831. The annual percentage rate (APR) is 3.772%.
30-YR Fixed Rate VA
The rate scenario is based on a home purchase of a 30-year fixed-rate mortgage in Wisconsin with a loan amount of $200,000 and no down-payment. The rate of 2.750% is based on a 740 FICO score and a 30-day lock, which equates the monthly mortgage principal and interest payment of $835. The annual percentage rate (APR) is 2.789%.
Additional Disclaimers
Interest rates are based on current market rates as of July 2, 2020, and are solely for informational purposes. Rates are subject to pricing adjustments based on the type of property, credit score, loan-to-value ratio, loan amount, and other variables. Rates are not guaranteed until locked and are subject to change without notice. The Annual Percentage Rate (APR) reflects the actual cost of the loan on an annual basis, which includes interest, closing costs, and point discounts. Payment does not include taxes and insurance premiums or additional fees. The actual payment amount will be greater. Some states and county maximum loan amount restrictions may apply. Terms and conditions are subject to change. All loans are subject to credit approval. Not affiliated with FHA/HUD or any other government agency. This is not an offer to make a loan or to make a loan on any particular terms. National rates based on EllieMae Origination Insight Report, published in May 2020. GSF Mortgage Corp. NMLS# 1018 www.nmlsconsumeraccess.org 15430 W. Capitol Drive | Brookfield, WI 53005. Equal Housing Opportunity Lender.
GO Mortgage is a DBA of GSF Mortgage Corporation, NMLS ID #1018, NMLS Consumer Access
