Ellie Mortgage

Home
starts here.

Clear guidance. Thoughtful options. A mortgage team that stays close from the first question to closing day.

01

Mortgage guidance
made human.

Explore

Options built around you

One goal. More than
one way home.

There is no universal mortgage. We help you compare the details, understand the tradeoffs, and choose a financing path that fits your real life.

Conventional

A flexible, widely used option for primary homes, second homes, and investment properties.

  • Down payments may start at 3%
  • Mortgage insurance may be removable
  • Competitive options for qualified buyers
Explore conventional

FHA

Government-insured financing with approachable qualification guidelines for many buyers.

  • Down payments may start at 3.5%
  • Flexible credit qualification
  • Gift funds may be permitted
Explore FHA

VA

A powerful benefit for eligible service members, veterans, and surviving spouses.

  • Potentially no down payment
  • No monthly mortgage insurance
  • Competitive interest rates
Explore VA

Down payment assistance

Programs that may help eligible buyers bridge the gap between saving and owning.

  • State and local program options
  • May assist with down payment or closing costs
  • Eligibility varies by program
Check possible options

Non-QM

Flexible financing for qualified borrowers whose income or circumstances may not fit traditional agency guidelines.

  • Alternative income documentation may be available
  • Options for self-employed borrowers
  • Terms and eligibility vary by program
Explore Non-QM

DSCR

Investment-property financing that may qualify primarily through the property's expected rental cash flow.

  • Designed for real estate investors
  • Personal income documentation may be limited
  • Property and cash-flow requirements apply
Explore DSCR

Plan with confidence

What could home
look like for you?

Adjust the details below for a helpful starting estimate.

Taxes, insurance & HOA

A calm, guided process

From “what if?” to
welcome home.

1

Share your goals

Tell us what you are considering—even if it is still just an idea.

2

See your options

We explain the numbers, tradeoffs, and next steps in plain language.

3

Move with confidence

From application to closing, you will always know what comes next.

Local understanding, seven states

Rooted in your
corner of the map.

Ellie Mortgage proudly serves homebuyers and homeowners across seven states.

01Arizona02Texas03Colorado04Minnesota05Tennessee06Kentucky07Indiana

Let’s begin

Your questions are
welcome here.

Whether you are ready to apply or simply want to understand your options, share a little about where you are headed.

No-pressure guidanceA conversation is a good first step. No commitment required.
We respect your privacy and will only use your information to respond to your request.