Home Loans Online — Compare Mortgage Rates
Get pre-approved for a home loan in minutes. PrimeLendings connects you with mortgage lenders offering FHA, VA, USDA, and conventional loans. Loan amounts from $50,000 to $2,000,000. APR 3.5%–7.5%. First-time buyer programs available.
Bad credit is accepted on FHA loans with as little as 3.5% down. VA loans offer 0% down for veterans and active-duty service members. Get a full pre-approval letter the same day you apply.
Compare Home Loan Types
| Loan Type | Min Down Payment | Min Credit Score | Best For |
|---|---|---|---|
| FHA | 3.5% | 580 | First-time buyers, bad credit |
| VA | 0% | 620 (lender) | Veterans, active duty |
| USDA | 0% | 640 | Rural buyers, income limits |
| Conventional | 3%–20% | 620+ | Good credit, best rates at 740+ |
Home Loan Process — Step by Step
- Check your credit score and know your budget before applying.
- Go to primelendingsloans.com and fill in the 10-minute apply form.
- Receive an instant pre-approval decision with your loan amount and APR range.
- Choose your loan type — FHA, VA, USDA, or conventional.
- Submit W-2s, tax returns, pay stubs, and bank statements digitally.
- Underwriting takes 7–21 days. Sign at closing and receive your keys.
Home Loan FAQs
Can I get a home loan with bad credit?
Yes. FHA loans accept credit scores as low as 500 with 10% down, or 580 with 3.5% down. PrimeLendings connects you with mortgage lenders who specialize in bad credit home loans.
Should I choose a 15-year or 30-year mortgage?
A 30-year mortgage has lower monthly payments but higher total interest. A 15-year mortgage costs less overall but has higher monthly payments. Choose 15-year if you can afford 30%–40% higher monthly payments.
What is PMI and how do I avoid it?
PMI is required on conventional loans with less than 20% down. It costs 0.5%–1.5% of the loan annually. Avoid it by putting 20% or more down, using a VA or USDA loan, or requesting removal once you reach 20% equity.
Apply for a
Home Loan Online
Compare Rates & Get Fast Approval
Get competitive rates, flexible terms, and expert guidance. Pre-qualify in minutes and find the perfect home loan for your journey.
Monthly Estimator
Find Your Perfect Home Loan
Whether you're a first-time homebuyer or looking to refinance, we offer competitive rates and flexible terms. Choose from conventional, FHA, VA, and USDA loanswith terms of 15, 20, or 30 years.
Making Homeownership Accessible
Why Homebuyers Choose PrimeLendings
We've helped over 50,000 families achieve their dream of homeownership with competitive rates, personalized service, and a commitment to transparency.
Competitive Rates & Terms
Lock in great rates with flexible loan terms from 15 to 30 years. No hidden fees or prepayment penalties.
Low Down Payment Options
Get started with as little as 3.5% down for FHA loans or 3% for conventional loans with PMI.
First-Time Buyer Programs
Special programs, grants, and guidance designed specifically for first-time homebuyers.
Fast Pre-Approvals
Get pre-approved in 24 hours with our streamlined digital application process.
Nationwide Coverage
Access our services in all 50 states with local loan officers who understand your market.
Award-Winning Service
Consistently rated 5-stars by our customers with 98% satisfaction rate and dedicated support.
What Our Homebuyers Say
Real stories from real families who achieved their dream of homeownership with PrimeLendings
Sarah & Mike Johnson
Austin, TX
"First-time homebuyers who got pre-approved in 24 hours and closed in 21 days. The process was incredibly smooth!"
David Chen
Seattle, WA
"Refinanced my existing mortgage and saved $400/month. The team was professional and kept me informed every step."
Maria Rodriguez
Miami, FL
"As a veteran, I was able to get a VA loan with no down payment. The process was seamless and the rates were unbeatable."
James & Lisa Thompson
Denver, CO
"We were able to buy our dream home with just 3% down thanks to their first-time buyer program. Highly recommend!"
Compare Home Loan Rates
*Market Disclaimer: Rates and terms are for example purposes only and may vary based on credit profile, down payment, and market conditions.
Loans for First-Time Buyers
Want to know how to get approved for a home loan? To qualify, you'll need to meet a few basic requirements. These help ensure you're ready for homeownership and can manage your loan responsibly.
- U.S. Citizen or Permanent Resident
- Age 18 or older
- Valid Social Security Number
- Minimum Credit Score (620+)
- Proof of Income & Employment
- Stable Employment History
- Minimum 3.5% Down Payment
- Primary Residence Property
*Not sure if you qualify? Speak to a loan officer for a free assessment.
Required Documentation
Have these documents ready to accelerate your application and get approved faster.
Identification
- Current Driver's License
- Social Security Card
- Passport or Birth Certificate
Income
- Last 30 days of Pay Stubs
- Last 2 years of W-2s
- Federal Tax Returns (2 years)
Assets
- Last 60 days of Bank Statements
- Investment Account Statements
- Proof of Down Payment Funds
Property
- Signed Purchase Agreement
- Homeowner's Insurance Info
- Appraisal (ordered by lender)
Ready to upload?
Our secure portal supports PDF, JPEG, and PNG formats.
How it Works
Our streamlined digital process takes the stress out of home buying, getting you from application to keys in as little as 21 days.
Pre-Qualify
Submit a simple application to see your rates.
Formal Review
Upload docs for conditional approval.
Processing
Appraisal and final loan review.
Closing
Sign your final docs and get keys!
Home Loan FAQ
Find expert answers to common questions about homeownership, eligibility, and the financing process.
Meet the Housing Finance Expert
"With over 15 years of experience in consumer lending and personal finance, Sarah leads our editorial verification process. She previously served as a senior advisor at top-tier financial institutions."
Related Services & Resources
Ready to Start Your Homeownership Journey?
Get pre-qualified in minutes and discover how much home you can afford with our competitive, direct-to-market rates.