Apply for a Home Loan Online
Get competitive rates, flexible terms, and expert guidance. Pre-qualify in minutes and find the perfect home loan for your journey.
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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 loans with 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, personalised service, and full 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 families who achieved 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 and saved $400/month. The team was professional and kept me informed every step of the way."
Maria Rodriguez
Miami, FL
"As a veteran I got a VA loan with no down payment. The process was seamless and the rates were unbeatable."
James & Lisa Thompson
Denver, CO
"We bought our dream home with just 3% down thanks to their first-time buyer program. Highly recommend!"
Compare Home Loan Rates
Lock in your rate for the life of your loan. Ideal for predictable monthly payments.
Lower initial rates that adjust over time. Great for those planning to move or refinance.
Flexible gov-backed options with low down payments and special programs for qualified buyers.
*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? Meet a few basic requirements to show you're ready for homeownership.
- 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 gets 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 the keys!
Home Loan FAQ
Expert answers to common questions about homeownership, eligibility, and the financing process.
Meet the Housing Finance Expert
Sarah Chen
“Over 10 years of experience in consumer lending and personal finance. Sarah leads the PrimeLendings editorial review process, ensuring all content is accurate, compliant, and useful for borrowers.”
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 rates.