A mortgage is a type of loan used to buy a home. The loan is secured by the property itself, and you make regular payments to repay the loan over time.

We help you find the right mortgage for your needs and guide you through the application and financing process.

We offer a wide variety of mortgage options, which include:

Fixed-rate mortgages, adjustable-rate mortgages (also known as ARMs), FHA loans, VA loans, Jumbo loans, One Time Close Construction loans, USDA loans, Down Payment Assistance, 0% Down Loans, Commercial Financing, SBA Loans, and many, many more. We also have various other programs that offer down payment assistance or reduced closing costs

Each loan type has different requirements for qualifying.

Factors that contribute to qualifying for a mortgage loan include your credit score & history, income, employment history, assets, down payment, and your debt-to-income ratio.

Pre-qualification is an initial assessment/opinion of a borrower's ability to qualify for a mortgage based on verbal information given from a borrower to a lender.

A pre-approval is when a lender does an in-depth review of a borrower's credit, income, asset, and anything else that is pertinent to qualifying for a home loan.

A pre-approval is highly recommended for serious homebuyers prior to going out looking at homes.

Down payment requirements vary depending on what type of loan a borrower qualifies for.

Some loans allow for a down payment as low as 0%!!!

Other types of loans may require a larger down payment of 3% or 5%.

We always look to help you find the best loan scenario for your individual situation.

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Interest rates fluctuate regularly - they can change every single day!

The interest rates depend on market conditions, loan type, and your credit profile.

We will provide you with the most up-to-date information during the application process and throughout your home search.

Getting pre-approved is very quick, and Epic Mortgage loan officers will normally have this done within 24-48 hours.

Once a borrower finds a home, and receives an accepted offer on the property, then the homebuying process averages about 24 days.

Yes! We are happy to offer mortgage refinancing options.

Refinancing can help lower your interest rate, lower your monthly payments, or a cash-out refinance can help you access equity in your home.

Plus, Epic Mortgage offers Free Refinances for Life if you use us while purchasing the home! Reach out for more details.

Yes! We offer HELOCs if you would like to take advantage of your home’s equity without changing your current interest rate or mortgage payment.

Contact us to learn more about your options.

Mortgage fees can include origination fees, appraisal fees, closing costs, processing & underwriting fees, and more.

We’ll provide a breakdown of all associated costs and fees as part of the mortgage application process - we believe in transparency and you knowing exactly what you are paying for.

Your credit score is an important factor in qualifying for a mortgage, however, we work with clients from various credit backgrounds.

Some of our investors will allow for a middle credit score as low as 500.

We’ll explore all your options to help you qualify for a mortgage, and if it’s not possible at this time we can connect you with ways to improve your chances of qualifying.