How to Calculate Your Debt-to-Income Ratio (DTI)
DTI is the proportion of your debt commitments relative to your monthly gross income. Lenders scrutinize this ratio to ensure you’re not burdened with excessive debt.
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Local Expertise to help guide you home
Eric Matthew Mallinson, Mortgage Loan Officer
NMLS ID #2705459 | 808-264-0488 | eric.mallinson@my.morty.com
A Seamless Process
Find your rate . Instantly find the most competitive deal from over 25 lenders in our network.
Get pre-approved . Complete a simple online application to receive a fast pre-approval, giving you confidence and bargaining power in your home search.
Close with ease . Enjoy a streamlined closing process with digital tools and expert support, making finalizing your mortgage quick and hassle-free
Financing partnership, the way it should be
How Much Down Payment to Buy a House?
When you want to buy a home, you may not know all the details involved, including how much of a down payment you need. We’ll teach you more about minimum down payment amount requirements, how down payments impact home loan offers and how to assess the amount you need to put down for a home.
How to Get a Mortgage Pre-Approval
Getting a pre-approval helps buyers feel confident going into the home buying process and shows sellers that you’re a serious and qualified buyer.
Mortgage Rates Today
We search thousands of loan options so you don't have to! Find the most competitive rates here including: 15, 20 and 30-year fixed rates, 10/6, 7/6 and 5/6 ARMs, FHA, Jumbo, low down payment options and more. Create an account to customize your loan options and track daily interest rates.
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Supporting Homebuyers
“Best lender I've ever had. Very communicative, quick, and easy to get a hold of when you need to. I like that you can see exactly what step everything is on on their site. They seemed to always be on top of their stuff.”
Lindsey S
“Strongly recommend Morty. Fast service, professional, low rates. I will never shop for a loan elsewhere.”
Phi T
“I'm SOLD. They followed me all the way to closing and their online stage-by-stage guide was very easy to understand and I could do 100% by online signature. GAME CHANGER!”
Israel K
“I highly highly recommend them to anyone in the market. They'll get you to closing on time and provide great support along the way!”
Tammy B
“The rates and fees you see in the portal are accurate and do not change. The closing team is super responsive and helpful along with always making sure that we were cleared to close long before the closing date. That provides such a relief, especially in this crazy market!”
Derek and Liza
“I was able to lock in the best rate for my loan and I was cleared to close well ahead of my set closing date. [They] helped me fully understand the terms of the loan and [were] available constantly to answer my questions.”
Nathalie S