Home Financing

# Your Dream Home Starts Here

Competitive mortgage rates, expert guidance, and a streamlined process. Buy, refinance, or explore your options — we're with you every step.

Get Pre-Approved Mortgage Calculator
🏡
6.25%
30-Yr Fixed APR
5.89%
15-Yr Fixed APR
5.50%
ARM APR
€0
Application Fee
Trusted by 50,000+ homeowners
6.25%
APR From
€0
Application Fee
30 Days
Average Close Time
€5B+
Funded to Date
Loan Types

## Find Your Home Loan

From first-time buyers to veterans, we offer the right mortgage for every situation.

30-Year Fixed
Stable, predictable payments for the life of your loan. The most popular mortgage choice for a reason.
6.25% APR
Fixed for 30 years
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15-Year Fixed
Pay off your home faster and save tens of thousands in interest with a shorter-term loan.
5.89% APR
Fixed for 15 years
Apply Now
Adjustable Rate (ARM)
Lower initial rate ideal for shorter-term homeowners. Rate adjusts after the initial fixed period.
5.50% APR
5/1 ARM initial rate
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FHA Loan
Government-backed loan with low down payment from 3.5%. Great for first-time buyers with less-than-perfect credit.
6.45% APR
Min 3.5% down payment
Apply Now
VA Loan
0% down payment for eligible veterans and active service members. Competitive rates with no PMI required.
5.99% APR
€0 down for eligible veterans
Apply Now
Calculator

## Mortgage Payment Calculator

Estimate your monthly payment in seconds. Adjust the values to explore different scenarios.

Home Price ($)
Down Payment ($)
Loan Term
Interest Rate (%)
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Monthly Payment
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Total Interest
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Total Cost
Our Process

## Close in as Little as 30 Days

Our streamlined mortgage process makes buying your home simple, fast, and stress-free.

1

#### Apply Online

Complete our simple application in under 10 minutes from your phone or computer.

2

#### Get Pre-Approved

Receive a pre-approval decision within 24 hours with a verified approval letter.

3

#### Upload Documents

Securely upload income, tax, and employment documents through your dashboard.

4

#### Home Appraisal

We arrange a licensed appraisal to confirm the property's market value.

5

#### Underwriting

Our team reviews all documentation and finalizes your loan approval.

6

#### Close & Move In

Sign your closing documents, get your keys, and start your new chapter.

Why CTGMC

## The CTGMC Mortgage Advantage

#### No Application Fee

Apply for any mortgage with zero application or processing fee upfront.

#### Rate Lock Guarantee

Lock in your rate for up to 60 days while you shop for your perfect home.

#### Dedicated Loan Officer

A personal loan officer guides you through every step of the process.

#### Digital-First Process

Upload documents, track status, and eSign disclosures entirely online.

#### Competitive Rates

Our rates are benchmarked daily to ensure you get the best deal available.

#### 30-Day Close

Our efficient process closes most loans in 30 days or less — guaranteed.

FAQ

## Mortgage Questions Answered

How much down payment do I need?
Down payment requirements vary by loan type. Conventional loans typically require 3–20% down. FHA loans require as little as 3.5% with a 580+ credit score. VA loans offer 0% down for eligible veterans. A larger down payment reduces your monthly payment and may eliminate PMI.
What credit score do I need for a mortgage?
Conventional loans typically require a minimum score of 620. FHA loans accept scores as low as 580 (with 3.5% down) or 500 (with 10% down). VA loans generally require 620+. A higher score qualifies you for better rates and terms.
How does pre-approval work?
Pre-approval involves a thorough review of your financial profile including income, assets, and credit. We issue a written pre-approval letter showing the loan amount you qualify for. Pre-approval strengthens your offer when buying and typically expires after 90 days.
Can I refinance my existing mortgage?
Yes. CTGMC offers refinancing for existing mortgages to help you lower your rate, reduce monthly payments, shorten your loan term, or access home equity with a cash-out refinance. Apply online and we'll compare your current terms with available options.

## Get Pre-Approved Today

Take the first step toward homeownership. Apply online in 10 minutes and get a decision in 24 hours.

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