Buy a Home
Know Your Rate Before the Offer.
See your personalized rate options online, compare side by side, and know every cost before you commit. No phone call. No credit check. No commitment.
From Buyers. Unedited.
4.8 stars · 16,000+ experiences shared
“Our loan officer and the team made our entire homebuying process a breeze. Despite being right in the middle of holiday seasons, there were no delays, always clear and concise communication, and professionalism. Thank you!”
Jessica T.
Virginia Beach, VA
“Our loan officer was excellent throughout the entire loan process when purchasing our home. Everything went smoothly from day one. We were always kept well informed. I definitely recommend to anyone buying a home!”
Lena H.
Johnson City, TN
“Great and friendly service. Made my house buying experience very easy and stress free. Would definitely recommend to anyone looking to buy a house.”
Cameron R.
Wales, WI
“The team did an amazing job at helping us to secure a mortgage for our first home. Answered every question we had, called and texted, which made it very convenient for our work schedules. Thank you so much for all of your help!”
Christine R.
Goshen, IN
“Our loan officer was great to work with — made this whole process so easy and went above and beyond to help. I would recommend to anyone thinking about buying or refinancing a home. Thank you so very much!”
Curt E.
North Olmsted, OH
Programs Built for Buyers.
Five loan types, different qualifying paths. See which one fits your situation.
Conventional Loan
The most popular choice. Predictable payments, flexible terms.
- Put down as little as 5%
- Minimum 620 credit score
- Fixed and adjustable rate options
FHA Loan
Government-backed and designed for buyers with lower credit scores or smaller down payments.
- As little as 3.5% down
- Minimum 550 credit score
- Lower closing costs
- Flexible qualifying guidelines
Jumbo Loan
For homes priced above standard conforming loan limits. Access competitive rates on larger loan amounts with flexible options.
- Loan amounts up to $3M
- Competitive rates on larger loan amounts
- Interest-only ARM available
- Primary and second homes
VA Loan
Exclusive benefits for veterans, active-duty military, and eligible spouses.
- 0% down payment
- No private mortgage insurance (PMI)
- Competitive VA-backed rates
- Flexible qualifying guidelines
USDA Loan
Zero-down financing for eligible rural and suburban homebuyers.
- 0% down payment
- For low- and moderate-income buyers
- Rural and suburban properties
- Competitive fixed rates
Buying for the First Time?
Getting into your first home takes less upfront than most people think. FHA loans allow as little as 3.5% down, with credit scores as low as 550. Down payment assistance programs are also available in most states for qualifying buyers. Get your rate to see which programs apply to your situation.
Mortgage calculator
Estimate Your Monthly Payment.
Adjust the numbers to match your situation. Then get your real rate in seconds.
Monthly Payment
$2,599
per month
The information and results provided by these calculators are for illustrative purposes only. These self-help tools are for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual and financial circumstances. We recommend you consult a financial advisor to discuss your home financing goals.
Rate comparison
Your First Stop for a Second Opinion.
Already have a rate from another lender? Compare rates, fees, and terms side by side before you commit. Bring any quote you have and see how Sebonic stacks up, with every fee on the table. No phone call. No credit check. No commitment.
Common Questions. Clear Answers.
No runaround. Straight answers before you apply.
See Your All-In Rate Online.
No hidden fees. No surprises at closing. Check your rate without committing to anything.