Get Pre-Approved in Minutes
The Right Mortgage for Where You Are Right Now
Mortgages Shouldn't Be Complicated
Most lenders hand you an application and expect you to figure it out. You're making the biggest financial decision of your life. You deserve clear guidance.
Why People Choose Ages
We believe mortgages should be clear, not complicated.
We Explain Everything
No jargon. No assumptions. Just clear answers to your questions.
We Guide Your Decisions
Your situation and goals determine our recommendations, not the other way around.
We're Here Long-Term
From pre-approval through closing and beyond, we're your partner.
How Ages Works
A clear path from start to finish.
How Ages Works
A clear path from start to finish.
1. Get Pre-Approved
10 minutes. See what you qualify for before you start shopping.
2. Choose Your Loan
We'll explain your options. FHA, Conventional, VA, USDA, we'll help you pick what fits.
3. Find Your Home or Refinance
You're in control. Shop with confidence knowing your budget and loan type.
4. Close
30-45 days. We handle the paperwork and explain every step.
Loans for Every Stage
We'll help you find the right fit.
First-Time Buyers
Best Loans for First Homes
FHA Loans
3.5% down • 580 credit score
Perfect for limited savings or building credit
Conventional 97
3% down • 620 credit score
Good credit? Lower monthly costs than FHA
VA Loans (if eligible)
$0 down • Flexible credit
Veterans get the best terms available
Growing Families
Best Loans for More Space
Conventional Loans
3-20% down • 620+ credit
Most flexible for move-up buyers
FHA Loans
3.5% down • 580+ credit
Lower down payment for family-sized homes
Jumbo Loans
10-20% down • 700+ credit
For high-value properties in any market
Refinancing
Best Refinance Options:
Rate-and-Term Refinance
Lower your rate or shorten your term
Cash-Out Refinance
Turn equity into cash for what matters
Streamline Refinance
VA or FHA? Fast, low-documentation refi
Veterans & Active Military
VA Loan Benefits:
$0 Down Payment
Buy with no money down up to VA limits
No PMI Required
Save hundreds per month vs. conventional
Competitive Rates
VA loans typically offer the lowest rates
Flexible Credit
More forgiving than conventional loans
Common Questions
A clear path from start to finish.
It depends on the loan type. FHA requires 3.5%, conventional can be as low as 3%, VA and USDA offer 0% down for eligible buyers.
Minimum scores vary: FHA accepts 580+, conventional typically requires 620+, VA is more flexible. We'll help you understand where you stand.
Typically 30-45 days from application to closing for purchases. Refinances can sometimes be faster, especially streamline refis.
Yes. Lenders look at your total debt-to-income ratio. As long as all your monthly debts plus the new mortgage are below 43-50% of your income, student loans won't disqualify you.
It depends on current rates, how long you plan to stay in your home, and your financial goals. Use our refinance calculator or talk to a loan officer to see if it makes sense.
Pre-qualification is a quick estimate. Pre-approval involves verifying your finances and gives you a clear budget, which sellers take seriously.
Licensed, Approved, Accountable
Ready to Get Started?
Get pre-approved in 10 minutes or talk to a loan officer who'll answer your questions over the phone.
