Home Financing that Builds Roots, Grows Wealth, and Plants Memories

With Over 25 years of Mortgage Industry Leadership Experience, We Are Your Trusted Partner in Navigating Home Financing Options with Ease and Expertise. We not only help you finance a home today, we also help you plan how to get Mortgage Ready for your dream home.

brown and white wooden house near green grass field during daytime

Custom Mortgage Solutions for Every Homebuyer

Over the past 25+years, we've seen just about every mortgage scenario possible, and we use that experience to provide personalized mortgage services designed for every stage of your financial journey.

Explore Our Tailored Mortgage Solutions Today

Whether you are buying a home now or crafting a strategy to build wealth over the long term, we can help!

2 person wearing blue denim jeans

Flexible Home Purchase Loans

Roots Home Mortgage offers diverse home loan options including Conventional, FHA, VA, and USDA fixed and adjustable-rate mortgages tailored to fit your situation and long term goals.

2 person wearing blue denim jeans
man, woman, and two boys inside kitchen
man, woman, and two boys inside kitchen

Customized Refinancing Options

We can give you expert advice and refinancing options to adjust your payment terms, lower monthly payments, or capture cash from your home equity to achieve your financial objectives.

Schedule a Call to Learn More
a neon sign that says home sweet home

First-Time Home Buyer Support

Roots Home Mortgage supports first-time buyers with customized loan options, lower down payments, closing cost support, and educational resources to simplify the buying process.

a neon sign that says home sweet home
people sitting on chairs in front of table
people sitting on chairs in front of table

Build Wealth Throgh Investment Property Financing

We can help you crunch the numbers and build a long term financing strategy to build wealth through Real Estate investments and rental properties. Unlock the value in your home with our flexible home equity loans, ideal for renovations or consolidating debt.

FAQs

Answers to Help You Navigate Your Home Financing Journey

What is the first step in applying for a home loan with Roots Home Mortgage

The first step is to complete a loan application, which you can do by clicking on the Apply Now button at the top of the page. And from there we can begin reviewing your application for pre-approval, including income, assets, and credit history. We can also start by having a Consultation Call, where we can talk about your current situation and future goals and work with you to build a customized personal mortgage strategy.

How do I know which kind of home loan is right for me?

We are experts at a wide range of mortgage products and we take the time to learn about your personal situation and long term goals. We go deeper and further beyond when talking with you during our loan process, and this helps us tailor a mortgage strategy for you and your family based on your goals.

Can I apply for a mortgage if I have a lower credit score?

Yes, we offer various loan programs with more lenient credit requirements and we provide tips for improving your credit and mortgage readiness. And even if you may not qualify today, we can give you advice, resources, and a strategy to help you get Mortgage Ready.

Are there any hidden fees I should be aware of when applying for a mortgage with you?

Transparency is a core value at Roots Home Mortgage. We provide a detailed explanation of all fees during your initial consultation and initial Loan Estimate. These will include, but are not limited to, origination fees, appraisal fees, and closing costs.

How long does the loan approval process take

With a complete loan application, we can normally Pre-Qualify you within 24 hours. Once we receive all necessary income and asset information, we can have an Underwriter review your loan application and issue a Pre-Approval within 24 to 48 hours. Final approval, including appraisal and review of any underwriting conditions, typically takes a week or two depending on your financial situation and type of loan

What makes Roots Home Mortgage different from other lenders?

These days, we operate as a branch of Canopy Mortgage LLC, but our story includes operating a 150+ employee mortgage lender for over 10 years - during which time we performed every step of the mortgage process and oversaw the origination of over 10,000 mortgage. At Roots Home Mortgage, we use that deep experience and prioritize personal connection to create tailored solutions, focusing on each client's unique needs.