Find out how much home you can afford right NOW!
Know exactly what you can afford before you start searching for a home.
Congratulations! You're ready to buy a home
Our 15-Year Fixed Rates Are Low & Our Process is Quick & Painless
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre−approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The 15-Year Fixed Rate Mortgage Loan Process
Here’s how our home loan process works:
- Complete our simple pre−approval letter request
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Do I Qualify?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “28/36.” This means that no more than 28% of your total monthly income (from all sources, before taxes) can go toward housing, and no more than 36% of your monthly income can go toward your total monthly debt (including your mortgage payment).
- Fixed Rates
- Adjustable Rates (ARM)
- Conforming Loans
- Jumbo & Super Jumbo Loans
- FHA, VA, & USDA Loans
- Terms from 5 to 30 Years
Get Your FREE Pre-Approval Letter Now!
KIS Lending is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity.
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