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check out our current mortage rates

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Rates

Note: Interest rates listed are for comparison purposes. Specific rate quotes from partner sites & our Home Loan Advisors are considered more accurate than rates posted herein.

*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.

 

Loan Types

Compare GO Mortgage Loan Products
Loan Type Features
Down Payment
Terms
Minimum Credit Score
Debt to Income Ratio
Upfront Mortgage Insurance
Monthly Mortgage Insurance
Special Requirements
 
FHA
3.5%
30 Year, 15 Year
580
45%, up to 50%
1.75%
.80% to .85%
Special Requirements
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VA
0%
30 Year, 15 Year
580
45%, up to 50%
up to 3.60%
0
Special Requirements
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USDA
0%
30 Year
580
43%, up to 46%
1%
0.35%
Special Requirements
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FNMA
3% to 20%
30,25,20,15,10 year
620
45%, up to 50%
0%
PMI over 80% varies
Special Requirements
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FREDDIE MAC
3% to 20%
30,25,20,15,10 year
620
45%, up to 50%
0%
PMI over 80% varies
Special Requirements
Apply Now
Katie-Horner
~Katie Horner

Quick and Easy Process

Getting GO Mortgage involved in the process sooner made the search for what we wanted in our dream home easier. The faster you get GO Mortgage involved in your search, it's really going to take a lot of stress off of your back.

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CAN'T FIND WHAT YOU'RE LOOKing FOR?

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.

If you are unable to find what you need, or are looking for something more specific, please feel free to send us a chat on this page or reach out to us at, 1-800-444-7283.

Mortgage FAQs

What is the difference between a fixed-rate mortgage and adjustable-rate mortgage (ARM)?

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.

Which is better for me: a fixed interest rate or an adjustable interest rate?

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.

What is the difference between pre-approval and pre-qualification?

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

What do I need for a pre-approval letter?

The information needed to get pre-approved may vary by lender and individual circumstances. These include, but may not be limited to:

  • Proof of income: Typically most recent pay stubs.
  • Tax documents: W-2 statements give the lender an idea of how much you’ve earned over the last few years.  
  • Credit information: Your credit score will help determine what type of eligibility you have when applying for a loan.

How fast will I become pre-approved?

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).

 

What is a single close construction loan?

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.