Mortgage guidance that makes the path to homeownership clear.

Usually, the only expense prior to settlement is the appraisal, which you will pay directly to the appraiser. County Mortgage does not charge anything prior to settlement. Our expenses are usually reimbursed by the lender.

County Mortgage places clients with lenders whose products best match their needs while offering competitive rates. Because lenders differ, we maintain multiple placement options for your mortgage.

We attend most settlements as part of our customer service commitment and support clients throughout the mortgage process.

The mortgage process is highly detailed. Our experts know what is required to move your loan from application to settlement. Sometimes submitted documentation creates a need for additional items or clarification.

Our mortgage experts structure loans around your goals and work across many lenders, giving you more options to find a strong fit.

Preapproval strengthens your offer on a house by showing sellers that you can afford the purchase.

A conventional mortgage is the most common loan type, made by banks and not insured by FHA, VA, or USDA. Conforming limits are typically set by Fannie Mae and Freddie Mac.

A jumbo mortgage is a loan amount above the limits set by Fannie Mae and Freddie Mac.

An FHA mortgage is insured by the Federal Housing Administration and is often used by borrowers with limited down payment funds or lower credit scores.

A 203k loan is an FHA program that finances home purchase or refinance plus repairs and improvements. Rehab funds are held and released in draws as work progresses.

Reverse mortgages can be used by homeowners age 62+ for monthly income, a line of credit, or to help buy a home, depending on eligibility and program rules.

A fixed-rate mortgage has an interest rate that remains the same for the life of the loan.

An adjustable-rate mortgage (ARM) starts with a fixed period, then adjusts at defined intervals. ARMs include adjustment caps and a lifetime cap.

USDA loans are backed by the U.S. Department of Agriculture and can allow zero down payment for eligible properties and borrowers, subject to area and income limits.

VA loans are backed by the U.S. Department of Veterans Affairs for eligible veterans and may offer zero down payment options.

PMI stands for Private Mortgage Insurance and is typically required when a down payment is under 20%. Different PMI structures can affect payment and qualification.

Commercial mortgages are loans for commercial-zoned, multifamily, or mixed-use properties. County Mortgage can help you evaluate and obtain a commercial mortgage.