Purchasing a new home is one of life’s biggest and most exciting milestones. We also know it can be an intimidating financial decision. Affinity makes getting a mortgage stress-free and affordable with personalized guidance, no lender fees and an array of mortgage loans built to achieve your unique financial goals, so you have more time to enjoy your new home. Regardless of where you are on your financial journey—from preparing to qualify for a mortgage through holding the keys to your new home—we’re here to make homeownership a reality for you.Get Pre-Approved or Apply Now Zero Lender Fees No processing fees No application fees No commitment fees No document preparation fees Mortgage Options to Fit Your Needs Whether you are a first-time homebuyer or an experienced homeowner, we have a variety of mortgage solutions and loan terms to meet your financial goals. Competitive Interest Rates Your dream home is in reach with our competitive fixed and adjustable-rate mortgage options for a monthly payment that fits your budget—available in all 50 states.Personalized Guidance Our Mortgage Loan Officers (MLOs) will guide you through the entire mortgage process —from preparing you to qualify to closing on your new home. MORTGAGE LOANS FOR YOUR DREAM HOME Whether this is your first home or your fourth, we can help you find your way home through a variety of homebuying tools. HomeAdvantage®The one-stop resource for buying & selling a home that can save you thousands1. In fact, Affinity members enrolled with HomeAdvantage® have received nearly $400,000 since the start of our partnership in July 2017. Learn More Lock and Look Mortgage ProgramLock in your mortgage rate for up to 90 days and shop confidently for your new home without worrying about rising rates. Learn More First-Time Homebuyer RebateWe know buying your first home is both an exciting and overwhelming experience. Not only will our Mortgage Loan Officers guide you step-by-step through the process, we'll get you off on the right financial foot with a $500 bonus.Learn More Affinity Professionals Mortgage ProgramDon't let student loan debt keep you from buying a home. The Affinity Professionals Mortgage Program is designed to help rising professionals qualify for a mortgage.Learn More MORTGAGE CALCULATOR Wondering how much your monthly mortgage payment will be? Use our free mortgage calculator to figure out your monthly payment, including your mortgage's principal and interest payments as well as homeowner's insurance and taxes. FAQs What is a mortgage? A mortgage is a type of loan that allows you, the borrower, to purchase a home without having to pay for the entire purchase price in cash. Mortgages typically have longer terms, such as 15, 20, and 30 years, but can be shorter depending on your financial goals. Similar to other loans you may have, you repay both the amount you borrow, plus interest. What are today's mortgage rates? View or compare our latest mortgage rates online or by contacting a Mortgage Loan Officer for a rate quote. How can I determine what I can afford? Use our home affordability calculator to get an estimate of how much house can fit comfortably within your budget. Does it make financial sense to rent or buy a home? We get the question a lot, but there's no right or wrong answer as it depends on a variety of factors. For starters, try our rent vs. buy calculator to compare the costs between renting and buying. Next steps would be to contact a Mortgage Loan Officer who can offer you even more guidance and advice based on your financial needs and goals. Can I get a mortgage through Affinity if I do not live in the tri-state area? Yes! Affinity offers mortgages in all 50 states. So, whether you are looking for a new home near or far, we have you covered. Does Affinity offer jumbo and high-balance mortgages? Yes! Affinity offers jumbo mortgages for loans above $647,200 and high-balance mortgages for loans above $970,800.