What are you looking to do?

This determines which questions we ask next.

🏠 Buy a Home

See what you may qualify for on a purchase

🔁 Refinance

Lower your rate, take cash out, or convert to VA

Where are you in the homebuying journey?

Just daydreaming Looking around Getting serious Ready to buy

Please select an option to continue.

What home price are you looking at?

Approximate price

Please enter a price to continue.

Where are you in the refinance process?

Just curious Watching rates Getting serious Ready to refinance

Please select an option to continue.

What type is your current loan?

Please select an option to continue.

What's your current loan balance?

Current balance

Please enter your balance to continue.

What's your home worth today?

Your best estimate is fine — this isn't an appraisal.

Estimated current value

Please enter an estimated value to continue.

What's the goal of refinancing?

Just lower my rate or payment Take cash out Consolidate debt

Please select an option to continue.

About how much do you need?

Amount needed

Please enter an amount to continue.

What type of property?

Single-family home Condo Multi-family (2-4 units) Manufactured / mobile home Not sure yet

Please select an option to continue.

How will you use this home?

Primary residence Second home Investment property

Please select an option to continue.

Have you owned a home in the last 3 years?

This affects first-time-buyer-specific programs.

Yes No

Please select an option to continue.

What's the property zip code?

Zip code

Please enter a valid 5-digit zip code to continue.

And which state?

State

Please select your state to continue.

What's your current living situation?

I currently own I currently rent I live rent-free somewhere

Please select an option to continue.

What's your service background?

This determines which loan programs may apply.

Veteran Active Duty National Guard / Reserve Surviving Spouse Not a veteran / no service history

Please select an option to continue.

What branch did you serve in?

Please select a branch to continue.

Discharge status

Honorable General (Under Honorable Conditions) Other than honorable Still serving — not yet discharged

Please select an option to continue.

Certificate of Eligibility (COE) status

Not sure what this means? Most people are — we'll sort it out either way.

I have my COE with full entitlement I have a COE, but I've used some entitlement before I don't have a COE yet Not sure

Please select an option to continue.

Have you used a VA loan before?

Yes No

Please select an option to continue.

Have you made at least 6 payments on your current VA loan?

And has it been at least 210 days since your very first payment? This determines IRRRL (streamline refinance) eligibility.

Yes, both No, not yet Not sure

Please select an option to continue.

How much can you put down?

0% — No down payment 3% – 9% 10% – 19% 20% or more

Please select an option to continue.

Total annual personal income?

Include everyone who will be on the loan.

Annual income

Please enter your income to continue.

Expected monthly rental income?

This matters for DSCR loan qualification specifically.

Monthly rental income

Please enter an estimate to continue.

Household size?

Used for USDA/HomeReady income limits.

Number of people

Please select household size to continue.

Any bankruptcy in the last 3 years?

Programs have different guidelines here — we'll walk you through it either way.

Yes No

Please select an option to continue.

Approximate credit score?

Excellent (740+) Good (700–739) Fair (620–699) Below Average (580–619) Needs Work (Below 580) Not Sure

Please select a credit range to continue.

Analyzing your options…

Checking eligibility, income limits, and program fit

Your Results

Loading your results…

Ready to get a real rate quote?

You've already seen your results — no strings attached to that. If you'd like a licensed loan officer to confirm your options and get you an actual rate, drop your info below.

First name

Last name

Email

Phone

Please fill in your name, email, and phone to get your quote.

By submitting, you agree to receive calls, emails, and text messages about your results and mortgage options from My Community Mortgage. Message and data rates may apply. Reply STOP to opt out. This is not a commitment to lend.

See What You May Qualify For

What are you looking to do?

🏠 Buy a Home

🔁 Refinance

Where are you in the homebuying journey?

What home price are you looking at?

Where are you in the refinance process?

What type is your current loan?

What's your current loan balance?

What's your home worth today?

What's the goal of refinancing?

About how much do you need?

What type of property?

How will you use this home?

Have you owned a home in the last 3 years?

What's the property zip code?

And which state?

What's your current living situation?

What's your service background?

What branch did you serve in?

Discharge status

Certificate of Eligibility (COE) status

Have you used a VA loan before?

Have you made at least 6 payments on your current VA loan?

How much can you put down?

Total annual personal income?

Expected monthly rental income?

Household size?

Any bankruptcy in the last 3 years?

Approximate credit score?

Loading your results…

Ready to get a real rate quote?

Legal

Not affiliated with or endorsed by the Federal Housing Administration or any government agency. Equal Housing Lender. NMLS #2408499. Not available in all states.