Certainty Home Loans Purchase Mortgage
Certainty Home Loans Purchase Mortgage
in Home Mortgage Loans from Certainty Home Loans · NMLS ID #2146

Certainty Home Loans Purchase Mortgage

in Home Mortgage Loans from Certainty Home Loans · NMLS ID #2146
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Loan Amount $100,000 - $1
Loan Term (Years) N/A
Credit Score Range N/A
No Origination Fee N/A

Certainty Home Loans Purchase Mortgage Review

Certainty Home Loans Purchase Mortgage is offered by Certainty Home Loans (NMLS #2146), a direct lender founded in 2000 and based in Plano, TX. Certainty Home Loans are available in 12 states across the USA.

Key Takeaways

  • 3 different mortgage programs offered. Certainty Home Loans Purchase Mortgage offers FHA, FHA 203k, VA, conforming, and conventional mortgages.
  • Specializes in multi-family properties. Only offers mortgages for multi-family properties, but not for single-family homes or manufactured homes.
  • Primary and secondary homes considered. Investment homes, such as rental properties, do not qualify for financing. However, Certainty Home Loans Purchase Mortgage does offer financing for primary and secondary homes (e.g. vacation properties).
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

Certainty Home Loans Purchase Mortgage Pros & Cons

Pros Cons
  • Charges an origination fee.
  • Charges prepayment fees.
  • Only available in 12 states.

Certainty Home Loans FAQ

How much can you borrow via Certainty Home Loans?

Certainty Home Loans allows borrowers to apply for loan amounts of up to $1,500,000. Note that the maximum loan amount you can borrow will also vary depending on the type of mortgage you choose, regardless of the lender you choose.

What mortgage rates does Certainty Home Loans offer?

Mortgage rates change daily based on market conditions and vary significantly depending on the loan type and the length of the term. For instance, fixed rate mortgages will typically have a higher interest rate than mortgages with variable rates, and jumbo loans usually have higher mortgage rates than conforming conventional loans. Find the best interest rate available to you by getting quotes from three or more mortgage lenders before choosing a home loan.

Do they charge mortgage origination fees?

Yes, Certainty Home Loans may charge a loan origination fee.

What mortgage programs are available?

Besides conventional mortgages, Certainty Home Loans offers the following mortgage types:

  • FHA loans: FHA loans are mortgages insured by the FHA. They offer competitive mortgage rates and have less stringent eligibility requirements. However, borrowers must pay a mortgage insurance premium. For instance, you can apply for an FHA loan with a credit score as low as 580. Co-applicants are allowed and you can qualify for a down payment as low as 3%.
  • FHA 203k: An FHA mortgage you can also use to finance home improvements.

What property usage types does Certainty Home Loans allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. Certainty Home Loans allows the following property usage types: 

  • Primary home

What is the customer service phone number?

The customer service number for Certainty Home Loans Purchase Mortgage is (972) 599-5510.

What is the support contact email?

The support contact email for is

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Other Services by Certainty Home Loans


  Available in 12 states
  • Alabama
  • Arkansas
  • Colorado
  • Florida
  • Georgia
  • Kansas
  • Louisiana
  • North Carolina
  • Oklahoma
  • South Carolina
  • Texas
  • Virginia

Feature Breakdown

Intended Use Primary Home
Primary Residence
Loan Amount $100,000 - $1
Mortgage Programs
  • FHA
  • FHA 203k
  • VA

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