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Welcome to Your Mortgage Journey

Your Dream Home is Within Reach

At Finaya, we understand that buying a home is one of the most significant decisions you'll ever make. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, we're here to guide you every step of the way. Our goal is to make the mortgage process as smooth and straightforward as possible, so you can focus on what really matters—finding the perfect place to call home.

Ready to Get Started?

Take the first step toward homeownership today. Get pre-approved now and see how easy it can be to make your homeownership dreams a reality with Finaya.

You’ll be redirected to OwnUp, our lending partner.

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How It Works

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1. Get Pre-Approved
Start by getting pre-approved for a mortgage through a Finaya lender partner. This will give you a clear understanding of your budget and make you a more attractive buyer to sellers.
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2. Shop for Your Home
With your pre-approval in hand, you're ready to start shopping for your dream home. Whether you're working with a realtor or searching on your own, you'll have the confidence of knowing exactly what you can afford.
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3. Apply for Your Mortgage
Once you've found the perfect home, our Finaya lender partner will help you complete the application process, guiding you through each step and answering any questions you may have.
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4. Close on Your Home
After your application is approved by a lender, we'll work with you to finalize the details and schedule your closing. Then, it's time to celebrate—you're officially a homeowner!

FAQs

  • Credit score do I need to qualify for a mortgage?

    While higher credit scores often qualify for better rates, there are mortgage options available for a wide range of credit profiles. Our partner specialists can help you understand your options based on your unique situation.

  • How much do I need for a down payment?

    The required down payment can vary depending on the type of loan and your financial situation. Some programs allow for as little as 3% down for qualified buyers.

  • What are closing costs?

    Closing costs are the fees and expenses associated with finalizing your mortgage. These can include appraisal fees, title insurance, and more. There will be a detailed estimate so you know exactly what to expect.

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