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in one day.

Find out if you pre-qualify for a home loan in as little as 3 minutes

* Pre-qualification will not impact your credit score.

We'll guide you to a better place

Mortgage Calculator

Estimate your monthly mortgage payments. Account for interest rates and escrow.

Interest Rates

Compare the national average mortgage rates when you buy a home or refinance.

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Connect to one of our loan officers to help you find the right mortgage for you.

Steps to finance your property with Pilgrims Mortgage

Not sure where to begin on your home buying journey? Here's a quick guide to help you get started.

1. Prepare your finances

Take some time to review your credit score and income. Avoid taking out loans, opening credit cards or making large purchases for six months. Then, get a quick estimate of what you can afford with our Affordability Calculator.

2. Get pre-qualified

Get an estimate for the amount you'll be able to borrow, so you can confidently search for homes within your budget. With Pilgrims Mortgage, you can get pre-qualified in as little as three minutes with no impact to your credit score.

3. Get a verified pre-approval

Getting pre-approved by a lender helps you make a strong and competitive offer. A loan officer will verify your income and assets, so you'll want to prepare documents such as pay stubs, W-2's and bank statements.

4. Apply for a mortgage

After the seller accepts your offer, it's time to begin the formal mortgage application for your new home. Our loan officers will be available to provide expert guidance for your unique situation, every step of the way.

5. Close on your new home

In most states, you'll close your loan with an escrow company. Once your loan is approved, the lender sets a date to finalize the sale and check your credit one last time.

Steps WEBSITE

Explore our variety of loan options

Governmental insured loans

An FHA (Federal Housing Administration) loan is a type of government-backed mortgage insured by the FHA.

  • Down payment as low as 3.5% 
  • Competitive interest rates.
  • PMI required for the term of loan.
  • 30 to 15-year terms offered.
  • Popular with first-time home buyers.
  • Qualifying FICO score are usually 620 or lower.

A VA home loan is a mortgage loan guaranteed by the Department of Veterans Affairs (VA) for eligible veterans, active-duty military personnel, and surviving spouses.

  • Down payment as low as 0% 
  • No PMI
  • Lower closing costs
  • Flexible credit requirements

The United States Department of Agriculture (USDA) offers a unique financing option for homebuyers seeking to purchase properties in rural areas. 

  • Down payment as low as 0% 
  • Household income restrictions.
  • Limited to rural areas.
  • Qualifying FICO score are usually 640 or lower with manual underwriting.

Conventional loan programs

A conventional mortgage is a type of home loan that is not insured or guaranteed by the government.

  • Down payment as low as 5% 
  • PMI required with down payments under 20%
  • Fixed-rate options
  • 30 to 15-year terms offered
  • Popular with current homeowners looking to upgrade. 
  • Qualifying FICO score are usually 680+

Offered by Freddie Mac, HomePossible provides a flexible and affordable way for individuals and families to achieve their dream of owning a home.

  • Down payment as low as 3% 
  • Competitive interest rates.
  • PMI required <20% down payment.
  • 30 to 15-year terms offered.
  • Popular with first-time home buyers.
  • Qualifying FICO score are usually 620.

HomeReady is a conventional mortgage financing option offered by Fannie Mae, designed to make homeownership more accessible and affordable for low-to-moderate-income borrowers.

  • Down payment as low as 3% 
  • Competitive interest rates.
  • PMI required <20% down payment.
  • 30 to 15-year terms offered.
  • Popular with first-time home buyers.
  • Qualifying FICO score are usually 620.

Non-QM Home Loans

Profit and loss or bank statement income qualification home loans.

  • Down payment as low as 10% 
  • No PMI.
  • 30 to 15-year terms offered.
  • No tax returns required
  • May qualify with no FICO score.

Contrary to popular belief, you do not need a social security number in order to secure a mortgage.

  • Down payment as low as 15% 
  • No PMI.
  • 30 to 15-year terms offered.
  • No tax returns required.
  • Social security card not needed.
  • Qualify with P&L or Bank Statements.
  • May qualify with no FICO score.

The United States has long been an attractive destination for foreign nationals looking to invest in real estate.

  • Down payment as low as 25% 
  • No PMI.
  • 30 to 15-year terms offered.
  • No tax returns required.
  • Social security card not needed.
  • Qualify with P&L or verification of income from country of origin.
  • Investment ONLY.
  • No FICO score needed.

This is a great option for investors looking to invest but could possible run into a DTI issue.

  • Down payment as low as 20% 
  • No PMI.
  • 30 to 15-year terms offered.
  • No tax returns required.
  • Investment ONLY.
  • Borrowers are not required to document income.
  • Qualifying FICO score is usually 680+

Jumbo loans are loans that over exceed the conforming loan limits. 

  • Down payment as low as 10% 
  • No PMI.
  • 30 to 15-year terms offered.
  • Loan amounts up to 10M.
  • Qualifying FICO score is usually ~700+
Calculate you monthly payment

Mortgage Calculator

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

Your homeownership journey starts here.

Understand what you qualify for and shop with confidence by getting pre-qualified.

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