A mortgage that feels like a welcome home.
Skip the jargon and the runaround. GI Realty pairs low rates with a real loan advisor who guides you from pre-approval to keys in hand.
$14B+
Funded in home loans
68,000
Families in their homes
21 days
Average time to close
4.9/5
Customer satisfaction
Loan options
Find the loan that fits your life
Whether you're buying your first place or refinancing the one you love, there's a GI Realty loan built around you.
First-time buyer
from 5.87% APR
Low down payments from 3% and step-by-step guidance built for people buying their very first home.
Refinance
from 5.62% APR
Lower your monthly payment, shorten your term, or tap into your equity with a fast, low-fee refinance.
Jumbo loans
from 6.05% APR
Financing above conventional limits for higher-value homes, with competitive rates and flexible terms.
FHA & VA
from 5.49% APR
Government-backed loans with lower credit requirements and options with zero down for eligible veterans.
Payment calculator
See what your monthly payment could look like
Drag the sliders to match your plans. It's an estimate of principal and interest — no email required.
Estimated monthly payment
$2,135
principal & interest
- Down payment
- $90,000
- Loan amount
- $360,000
- Total interest paid
- $408,705
How it works
From application to keys in four steps
- 01
Get pre-approved
Answer a few questions and get a real pre-approval in minutes — with no impact to your credit score.
- 02
Meet your advisor
A dedicated loan advisor reviews your options and helps you choose the loan that actually fits your budget.
- 03
Shop with confidence
Make offers backed by a verified pre-approval letter that sellers and agents take seriously.
- 04
Close and get your keys
We handle the paperwork and keep you posted at every step until you close — in 21 days on average.
Today's rates
Transparent rates, updated daily
| Loan type | Interest rate | APR | Points |
|---|---|---|---|
| 30-year fixed | 5.87% | 5.94% | 0.5 |
| 15-year fixed | 5.12% | 5.21% | 0.4 |
| FHA 30-year | 5.49% | 5.58% | 0.6 |
| VA 30-year | 5.38% | 5.45% | 0.3 |
| 7/6 ARM | 5.75% | 6.02% | 0.5 |
Sample rates shown for a $450,000 loan with 20% down and a 760+ credit score. Your actual rate depends on your profile. This is not a commitment to lend.
Real homeowners
Loved by people who now have keys
“As first-time buyers we were terrified of the process. Our advisor explained every number and we closed a week early. It genuinely felt like someone was on our side.”
“I refinanced in under three weeks and dropped my payment by $340 a month. No hidden fees, no surprises — exactly what they quoted me on day one.”
“The pre-approval was instant and the letter helped our offer stand out in a bidding war. We got the house. I can't recommend them enough.”
Questions
Everything you were afraid to ask
It depends on the loan. Conventional loans can start at 3% down, FHA loans at 3.5%, and eligible VA buyers can put 0% down. Your advisor will help you weigh a lower down payment against your monthly cost.
Get your personalized rate in minutes
Answer a few quick questions and a GI Realty advisor will reach out with your options. No obligation, no credit impact.
- Soft credit check only
- A dedicated human advisor
- Clear rates with no hidden fees