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.

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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
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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.

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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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