Feel good about buying a home.

Buying your first home should be a delightful experience. So when you work with us, you get a lower interest rate and better service on your mortgage. 

1. View an honest rate quote upfront to know what to expect. 
2. Enjoy the convenience of a 100% online mortgage. 
3. Rely on our staff of certified mortgage underwriters to guide you to homeownership, making sure everything goes smoothly. 

After that, close your loan on time, at the interest rate we promised, with better service than you expected. 

How much money you need to buy a home depends on the amount of your down payment and closing costs.

Down payment: A down payment is a percentage of the purchase price of a home that you pay upfront. How much you need for the down payment depends on several factors, mainly the property type, loan program, and whether you'll live there or rent it out. 

Closing costs: Closing costs are loan costs and other costs associated with purchasing a home. Loan costs are lender and third-party fees for underwriting, a property appraisal, and title work. Other costs are taxes, government fees, and prepaid items. 

Closing costs can add up to several thousand dollars and vary depending on several factors, most importantly, the location of the property and the lender you choose for the mortgage. 

Before shopping for a home, getting pre-approved for a mortgage is a good idea. This will give you an idea of how much you can afford to borrow and help you narrow your search for homes within your budget.

Use our Mortgage Calculator to get the details on rates, payments, and closing costs online, 24/7.

Check out our Loan Estimate Explainer.

Talk to a mortgage expert at NewCastle Home Loans to better understand the costs associated with buying a home and determine how much money you'll need to save to be prepared to make this significant purchase.