Feel good about buying a home.

Enjoy a lower rate and better service on your mortgage.

Get a pre-approval letter now and take advantage of every opportunity to buy the perfect home.

Lower rates and fees

Efficiency and low overhead drive down our costs. Then, we pass the savings to you so you can lock in the lowest rate for the best deal on your home loan.

View an honest rate quote.

See the actual rate and monthly payment upfront on our website. Then, feel confident in buying a home because you know what to expect.

Personalize your rate.

Get the details on rates, payments, and closing costs online, 24/7—access information when you need it most to take advantage of all opportunities.

Keep your information safe.

Unlike some mortgage lenders, we never sell your information. As a result, you can shop and compare home loan options without annoying sales calls.

A better way to get a mortgage

It's a fast, easy, and secure way to get a mortgage so you can focus on the home, not the loan.

100% online, paper-free

Start whenever you're ready. Apply, check credit, verify financial information, and sign documents instantly and securely.

Loan Dashboard

Access information conveniently and keep everything organized so you always know what's happening.

Closing plan

Follow the steps to know what to do and when to do it so you never feel lost. Close on time, then celebrate your achievement.

Your home purchase starts with a verified mortgage pre-approval

Feel confident about making an offer to buy a home. A loan decision-maker verifies your information so you know you're ready to buy.

Approved buyer

Pre-approvals from other lenders could be better. But unfortunately, they don't verify any of your information. And so you feel uneasy about an uncertain outcome.

Get your offer accepted.

Improve the likelihood of winning the deal. A mortgage pre-approval letter signed by an Underwriter enhances your negotiating power, especially when competing with other buyers.

Same day pre-approval

Share your financial information with us. Then, on the same day, you get a pre-approval letter signed by one of our certified mortgage underwriters.

Buying a home should be a delightful experience.

You're in the right place for quality customer service. We're celebrating 20 years of making homeownership simpler, faster, and more convenient.

Years of mortgage lending experience

First-time homebuyers served

Customer approval rating

"NewCastle helped me get my first mortgage, and I recommend them very highly. Incredible customer service, super responsive, and played a huge role in..."

Andy S.

"The NewCastle team helped us achieve our long-time goal of becoming homeowners. I never dreamed closing on a home could go so smoothly for us. They were..."

Michele L.

"I cannot recommend the team at NewCastle enough. Jim and the entire team walked us through every step and were in constant communication with realtors..."

Patrick L.

Talk to an expert.

Ask questions, get straight answers, and find out how to start on your home loan.

Frequently asked questions

Why use NewCastle Home Loans for a mortgage?

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.

View an honest rate quote upfront to know what to expect.
Enjoy the convenience of a 100% online mortgage.
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 do I need to buy a home?

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.