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Your home loan options
Find the best mortgage for you.
We're available to answer all your mortgage questions.
30-year fixed mortgage
Conventional loans are the most popular.
- Low rate and payment that won't change
- Down payment of 3% of the purchase price
- Credit score of 620 or higher
FHA loan
Easier to get approved
- Credit score of 580 or higher
- Low rate and monthly payment
- Down payment of 3.5% of the purchase price
Renovation loan
Buy and rehab a 1-to-4-unit home.
- All-in-one loan - perfect for a fixer-upper
- Down payment of only 3.5%
- Credit score of 620 or higher
Adjustable rate mortgage
Get a low payment that can change later.
- 5, 7, 10, or 15-year ARMs
- Down payment of 5% of the purchase price
- Credit score of 620 or higher
VA loan
For service members, veterans, and surviving spouses
- Low rate and monthly payment
- Down payment of 3.5% of the purchase price
- Credit score of 580 or higher
USDA loan
For rural and suburban homebuyers
- No down payment
- Low fixed rate
- Credit score of 640 or higher
Get pre-approved for a mortgage.
A powerful pre-approval letter, signed by an underwriter, improves your chances of winning the deal.
"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.
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"My experience with New Castle Home Loans and Jim's team was nothing short of outstanding. They provided me with a home loan that was tailored to my family's needs, and the entire process was incredibly easy-going and hassle-free..."
Alex Grubbe
"Fastest and most reliable service I have ever had and heard. I am especially thankful for Jim Quist for his knowledgeable and caring service. His service was above and beyond..."
Monir Moghadam
"I have done three mortgages with new castle. Perfect efficincy and super happy to work with them again."
Yuankai Huo
"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 Librado
"Highly recommended! Jim and his entire time were friendly, helpful, and responsive. I'm glad I worked with this business, who has an office right here in the city and understands the intricacies of the Chicago market."
Keenan D
"Had a great experience working with Jim and his team. Surely recommended!"
Mo T
"It’s been a absolute pleasure working with the New Castle team for the 2nd time, I can’t say enough good things about this company..."
Pat McRay
"I worked with Jim last year and worked with him again this year as well. Jim was very helpful, and is very obvious that he..."
Alex Alvarado
"I just closed on my home yesterday, as a first time home buyer all because of Jim, literally!!!! …"
Day Day
Talk to an expert.
Ask questions, get straight answers, and find out how to start on your home loan.
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