Peoples Choice Mortgage
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    Top Rated Mortgage Brokerage

    Knowledge is power.
    Discover your options.

    Use our quick & easy tools to find out what our brokerage can do for you. Fast approvals, transparent rates, and expert guidance.

    Check Your Options

    Takes less than 60 seconds

    No impact on credit score
    See real personalized rates
    Compare multiple loan programs
    Bank-level security encryption
    Trusted by Homeowners
    5.0 Average Rating
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    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    "The loan process was incredibly smooth. They walked me through every step and made sure I got the best rate possible."

    Sarah M.

    The Process

    Working With Us is Simple

    Homeownership does not begin and end with qualifying for a mortgage. We want our relationships with our clients to last long after closing. Our goal is to be there for you every step of the journey.

    01

    Get Started Online

    Complete our short online questionnaire to jumpstart the mortgage application process. Get access to multiple lenders and loan products from your phone, laptop, or tablet.

    Takes 3 minutes
    02

    Work With An Expert

    Our loan officers will work closely with you to find a loan program that meets your needs and budget. We make the mortgage process seamless, from pre-qualification to locking your rate.

    Personalized guidance
    03

    Close With Confidence

    We go above and beyond to ensure you have the best home loan for your financial goals. We want this to be one of the happiest days of your life without buyer's remorse.

    On-time closings

    Approval Requirements

    What You Need to Get Approved

    Most buyers qualify with steady income, fair credit, and manageable debt. Not sure where you stand? We'll guide you step-by-step.

    Steady Income

    Proof of consistent earnings over the past two years.

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    Fair Credit

    A score that demonstrates responsible borrowing habits.

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    Manageable Debt

    A healthy debt-to-income ratio to ensure affordability.

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    Down Payment

    Options available from 0% to 20% depending on the loan.

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    Understand Your Monthly Payment

    Your mortgage includes more than just the loan—taxes, insurance, and interest
    all play a role. We break it down so there are no surprises.

    Principal & Interest

    The core of your payment, paying down your actual loan balance.

    Property Taxes

    Local taxes assessed by your county, usually paid through escrow.

    Homeowners Insurance

    Protection for your property against damage and liability.

    HOA / Other Costs

    Community fees or private mortgage insurance if applicable.

    Have questions?

    Speak with a loan expert today to get a personalized breakdown.

    Loan Programs

    Mortgage Solutions for Every Situation

    Whether you're a first-time buyer, self-employed, or looking for a luxury property, we have the right loan for you.

    FHA Loans

    Lower down payment and credit requirements for first-time buyers.

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    VA Loans

    Zero down payment options for eligible veterans and active military.

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    Jumbo Loans

    Financing for luxury properties that exceed conventional loan limits.

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    Self-Employed

    Flexible income verification for business owners and entrepreneurs.

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    DSCR Loans

    Investment property loans based on rental income, not personal income.

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    Bank Statement

    Use bank deposits instead of tax returns to verify your income.

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    Renovation

    Finance both your home purchase and improvements in one loan.

    Learn More

    Down Payment Assist

    Programs to help cover your down payment and closing costs.

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    Free Mortgage Tools

    Take the guesswork out of your home buying journey with our easy-to-use calculators and analysis tools.

    Pre-Qualification

    Find out how much home you can afford before you start shopping.

    Refinance Analysis

    See if refinancing makes sense for your current financial goals.

    Payment Calculator

    Estimate your monthly mortgage payments with different scenarios.

    Down Payment Assistance
    VA Loans
    Renovation Loans
    FHA Loans
    Jumbo Loans
    USDA Loans
    Down Payment Assistance
    VA Loans
    Renovation Loans
    FHA Loans
    Jumbo Loans
    USDA Loans
    Down Payment Assistance
    VA Loans
    Renovation Loans
    FHA Loans
    Jumbo Loans
    USDA Loans
    Down Payment Assistance
    VA Loans
    Renovation Loans
    FHA Loans
    Jumbo Loans
    USDA Loans

    The Peoples Choice Family

    We Value Your Time, Your Investment, and Your Financial Future

    At Peoples Choice Mortgage, we understand that securing the right home loan is more than just a transaction—it's a major financial decision that impacts your future. That's why our approach is built around transparency, education, and personalized guidance at every stage.

    Our experienced professionals take the time to understand your unique situation, goals, and long-term plans. Whether you're a first-time homebuyer, refinancing, or exploring specialized loan programs, we provide tailored mortgage solutions designed to help you move forward with confidence.

    At Peoples Choice Mortgage, you're not just another application—you're a valued client. We are committed to delivering a seamless, efficient, and client-focused mortgage experience.

    Happy family

    Trusted Advisors

    Securing homes daily

    Ready to Explore Your Mortgage Options?

    Contact us today to schedule a consultation or get started with your pre-qualification in less than 60 seconds.

    Call (800) 477-2170

    David R. from Boston, MA refinanced and lowered his payment

    Saved $420/month
    5 minutes ago
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