Ready to Stop Renting Someone Else's Equity?
Know Your Number
Before You Start Shopping
Rates have held in the mid-6% range for months. Before you fall in love with a house, get a real, honest estimate of what it'll actually cost you each month — no guesswork, no surprises at the offer table.
Estimate My PaymentCurrent Purchase Rates
Rates shown are national averages as reported by Zillow (August 17, 2026). Your actual rate depends on credit score, down payment, loan program, and other factors. Contact us for a personalized quote.
First-Time Buyer Programs Worth Knowing About
Many buyers assume they need 20% down. Most don't. Here are a few of the programs that could put a home within reach sooner than you think.
CHFA Down Payment Assistance
Colorado's state housing finance agency pairs an FHA, VA, USDA, or conventional loan with real down payment help — either a grant you never repay, or a deferred second mortgage.
Up to $25,000, or the lesser of 3–4% of your first mortgage
HomeReady & Home Possible
Fannie Mae and Freddie Mac's low-down-payment conventional programs for buyers within local income limits, with reduced mortgage insurance costs compared to standard conventional loans.
As little as 3% down
FHA Loans
More flexible credit requirements than conventional financing, backed by the federal government — a common starting point for first-time buyers still building credit history.
As little as 3.5% down
VA Loans
For eligible veterans, active-duty service members, and some surviving spouses — no down payment required, and no monthly mortgage insurance.
0% down available
Program availability, income limits, and terms vary by county and change periodically. This is general information, not a guarantee of eligibility — let's confirm what you actually qualify for.
Estimate Your Monthly Payment
Enter your numbers below to see an estimated monthly payment before you start shopping for a home.
Your Estimated Monthly Payment
* Estimates only. Your actual rate, payment, taxes, and insurance depend on credit profile, property location, and final loan terms. Contact us for a free, personalized pre-approval.
Why Buyers Are Still Moving Forward
Rates have leveled off in the mid-6% range this year rather than continuing to climb. Here's what that means if you're thinking about buying.
Build Equity Instead of Paying Rent
Every mortgage payment builds ownership in an asset that's yours. Rent payments build ownership in someone else's.
Lock In a Fixed Payment
Unlike rent, a fixed-rate mortgage payment doesn't rise every year. Buying today locks in your housing cost for the long term.
Low-Down-Payment Options Exist
FHA loans allow as little as 3.5% down. VA loans allow eligible buyers to purchase with 0% down. You may need far less cash up front than you think.
Potential Tax Advantages
Mortgage interest and property taxes may be deductible, depending on your situation. Speak with a tax professional about your specific circumstances.
How the Home Buying Process Works
We make the path to homeownership clear, fast, and stress-free — from your first conversation to closing day.
Get Pre-Approved
We review your finances and issue a pre-approval letter, usually within one business day, so you can shop with confidence.
Find Your Home
Work with your agent to find the right property. Your pre-approval letter is typically good for 90 days.
Submit an Offer
Once your offer is accepted, we lock your rate and formally begin your loan application.
Underwriting
We coordinate appraisal, title, and underwriting, and keep you informed every step of the way — no surprises.
Close & Move In
Sign your closing documents, pay any remaining costs, and get the keys to your new home.
Ready to Find Out What You Can Afford?
There's no cost and no commitment to get a personalized pre-approval. Let's put real numbers in front of you.
What Buyers Ask Us Most
How long is a pre-approval good for?
A pre-approval usually lasts 90 days, though some lenders may honor it for up to 120 days. If it expires, updating your information can often extend it.
What happens at closing?
Closing is the final step where you sign all necessary documents, finalize your loan, and officially take ownership of the home. You'll also pay any remaining costs, then receive the keys to your new home.
How long does it take to get pre-approved?
Pre-approval can take as little as one business day, provided you've submitted all required documents. In some cases, it may take a few days if additional verification is needed.
When is my first payment?
Your first mortgage payment is typically due on the first day of the second month after your closing date. For example, if you close in September, your first payment is usually due November 1st.
What are the closing costs?
Closing costs typically range from 2–3% of the home's purchase price and include fees for the loan, appraisal, title, insurance, and taxes. You'll receive a detailed estimate early in the process so you know what to expect.
We've been helping people like you achieve their dream of homeownership for over 10 years.
This is a loan production office of United Lending Team, Inc.
United Lending Team DBA Clearview Equity Advisors
1050 Wilshire Drive Suite 300
Troy, MI 48084
© United Lending Team, Inc. 2026 copyright. All Right Reserved.
Copyright © 2026 | Ease Mortgage | NMLS #2273319 | (888) 650-3273
ULT, Inc. Licensed In: AL, AZ, AR, CA, CO, DC, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MT, NE, NH, NJ, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Roland Scott Licensed In: CO
All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.