Where does Certainty Home Loans do business?

Certainty Home Loans is a direct lender based in Plano, TX. The company was founded in 2000 and offers mortgages to borrowers in 11 states across the USA.

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..

Does Certainty Home Loans charge a mortgage origination fee?

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

Does Certainty Home Loans charge prepayment fees?

Yes, Certainty Home Loans charges additional fees to borrowers who pay off their loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What mortgage programs does Certainty Home Loans offer?

Certainty Home Loans offers the following mortgage programs:

  • Conventional mortgages
  • FHA
  • FHA 203k
  • VA

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 

  • Institution Type
    Direct Lender
  • Intended Use
    Primary Home
  • Primary Residence
  • Estate/Trust/Retirement
  • Loan Amount
    $100000 - $1500000
  • Terms
    10, 15, 20, 30
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