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Purchase · Refinance · DSCR

Smarter mortgage solutions, built around you.

Loans R Us shops the loan with you. FHA, VA, conventional, DSCR, and down payment assistance — shown as a full monthly payment before you fall for a kitchen.

Get pre-approvedEstimate a payment

Pre-approval continues on Blink, the same secure application as eloansrus.com.

A loan officer reviewing a mortgage file with two homebuyers

Sample purchase

A month on a $725,000 house

10% down · 30-year fixed · 6.125%

$5,069

estimated total each month

  • Principal & interest$3,965
  • Property tax$665
  • Homeowners insurance$211
  • Mortgage insurance$228
Change the price
Modern stone home with a lawn and front walk

The house

Shop the program. Keep the payment honest.

Conventional, FHA, VA, jumbo, investor, and down payment assistance. We line up the options, then show what actually leaves your account each month.

Loans

Four ways to borrow. One desk that explains them.

Most buyers

Conventional

The workhorse loan. Three percent down is possible for a first home; twenty percent down drops mortgage insurance.

  • 15, 20, or 30-year fixed
  • Best pricing at 740+ credit
  • No upfront mortgage-insurance premium

Smaller down payment

FHA

Built for buyers who are early in their credit story. The rate can look friendlier than conventional — the insurance is the trade.

  • 3.5% down with a 580 score
  • More forgiving of past credit
  • Mortgage insurance usually stays

Veterans & service

VA

If you have a COE, this is often the cleanest way to buy with nothing down and no monthly mortgage insurance.

  • 0% down for eligible borrowers
  • No monthly PMI
  • Funding fee may still apply

Rate, term, or cash

Refinance

Replace the loan you have. We show the new payment next to the old one, and we say so when the math does not win.

  • Rate-and-term or cash-out
  • Same officer start to close
  • Break-even spelled out in months

How it works

Three steps, then keys.

  1. 01

    See the payment first

    Price, down payment, income, and a credit band. You get a program and a full monthly number before anyone asks for a Social Security number.

  2. 02

    A person locks the rate

    Victor or Alanna walks the Loan Estimate line by line. If a refinance will not pay for itself, they will tell you to keep the loan you have.

  3. 03

    Close on a date

    On a straightforward purchase, our sample timeline is about 21 days from contract to keys. You always know which document is still out.

Sample rates · November 1, 2026

What we would quote today.

See every sample rate

Conventional

30-year fixed

6.125%

APR 6.248%

$608 a month in principal and interest for each $100,000 borrowed.

Use this rate

FHA

FHA 30-year

5.875%

APR 6.712%

$592 a month in principal and interest for each $100,000 borrowed.

Use this rate

VA

VA 30-year

5.625%

APR 5.801%

$576 a month in principal and interest for each $100,000 borrowed.

Use this rate

Illustrations, not a rate lock. Points and mortgage insurance change the APR.

Calculator

Drag the price. Watch the month change.

$725,000
Down payment$72,500 · 10%

Term

6.125%

Your brokers

Talk to a person, not a portal.

The Loans R Us team around a conference table

  • Victor Reeves

    Senior Loan Originator

    26 years in mortgages. He stays with the file from the first number through closing.

    Apply with Victor

  • Alanna Reeves

    Loan Originator & Licensed Realtor

    Finance degree, and a straight answer on which program fits.

    Apply with Alanna

Questions

Before you apply.

Not from the calculator on this site. That tool only uses the numbers you type. Pre-qualification continues on Blink, which is a separate application.

Bring the house. Leave with a payment you can say out loud.

Run your numbers, then talk with Victor or Alanna if you want a person on the file.

Start pre-qualification