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Certainty Home Loans

in Home Purchase Mortgages

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Certainty Home Loans

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in Home Purchase Mortgages

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Overview

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 12 states.

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.

What mortgage programs does Certainty Home Loans offer?

Certainty Home Loans offers the following mortgage types:

  • Conventional mortgages: This includes any mortgage that is not insured or guaranteed by the federal government.
  • FHA: Mortgages insured by the FHA, which usually have less stringent eligibility requirements, but borrowers must pay a mortgage insurance premium. 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.
  • VA: A zero down payment mortgage or a refinance of up to 120% of the home's value for American military members, veterans, and their spouses.

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
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Other Services by Certainty Home Loans

Availability

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
Estate/Trust/Retirement
Loan Amount
$100K - $1.5M
$5K $2M+

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