About Home Loan

To make your home loan journey a smooth sail, we will help you to know eligibility criteria, rates of interest, process, necessary documents, comparison and transfer for lowest rates.

Before you start the loan process, you’ll want to be prepared for the loan application. Have your information organized and ready for your loan officer. Be prepared to pay for property appraisal and a credit report.

In order to prevent home buyers from getting into a home they cannot afford, guidelines have been set in place requiring borrowers and/or their spouses to qualify according to set debt to income ratios.

See how much you qualify for today! Contact one of our lending experts.

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Get Financing For Whatever You Need Now

Achieve all your goals and aspirations with the right kind of help, by getting exactly what you need.

New Home

Home loans with competitive interest rates from 19 Financial. You can apply online and check your eligibility with our easy Payment Calculator. Fast approval and lowest rate for your new home loan.

Home Conversion

A home conversion loan is an effective resource for those who have a housing loan.

Land Purchase

19 Financial offers various home loan products. You can compare home loan rates with our compare loan table. Apply online for your home loan.

Home Renovation

Get approved for a renovation loan on your home, with a home improvement loan. For more details contact one of our lending experts today.

Get Financing For Whatever You Need Now

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Features of our Loans

All loans are not created equal, let one of our experts find the best one for your needs.

Salaried & Self-Employed

Loan products for all documentation types.


All charges are communicated up front in writing along with the loan quotation. A very professional and simple service.

Home Loans. Refinance, Purchase, Reverse Mortgage.

Numerous loan products to suit all of your borrowing needs.

Reverse Mortgage

Giving seniors financial options.

Home Loan - Eligibility

– In your initial interview, your loan officer will give you a good idea of the documentation that you and your co-borrower, if applicable, will likely need to provide. Here is a list of items you’ll typically need after you apply for your home loan:

– Valid driver’s license or other government-issued photo identification, date of birth, and social security number
– Most recent statements for the last two months on all checking, savings, stock, mutual funds, IRAs, or other liquid asset accounts
– Accurate addresses and landlord/mortgage company information for past two years
– Loan information, including balance, monthly payment, and any rents collected for other real estate owned, if applicable
– Copy of fully executed sales contract, if available
– Copy of canceled earnest money check, if purchasing
– Funds for credit report and appraisal
– Documentation on any additional source of income to be used in qualifying, if applicable

– Pay stubs for the past 30 days
– W-2 forms for the past two years, and full federal tax returns for the past two years, including all schedules


– If self-employed or you own more than 25% of a business, copies of business tax returns for the past two years, including all schedules
– Copies of previous 2 years’ corporate/partnership tax returns if 25% or more of company is owned
– Year-to-date profit and loss statement and balance sheet

– If you have been divorced, a copy of final decree— particularly the financial settlement page, including alimony, child support, and the division of liabilities and assets
– Documentation pertaining to any resolved or unresolved credit disputes you may have had
– Certificate of Eligibility and DD-214 or Statement of Service, if applying for a VA loan
– If previous bankruptcy, a copy of all bankruptcy papers with a copy of discharge
– A copy of the settlement statement if you sold property in the last three months
– Survey of your home, if refinancing a loan *Depending upon your situation, we may require more or less documentation.


There is no maximum age of an applicant.

Credit Rating

Credit scores as low as 580.

Frequently Ask Questions

Yes. There are no prepayment penalties.

Yes! Homeowners enjoy the benefits of investing in their property year after year. For some, there comes a time when that investment can come in handy. Refinancing with a Conventional, Jumbo, or an FHA loan can prove to be an effective way to put that equity to work.

As soon as you are ready.

We have offices throughout the United States. Call for a location near you.

Get a Quote

Apply now for a Home Loan online. All you need to do is provide your details in the form below.

Do you already have accounts with 19th Financial?