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Estimate your mortgage payments and find out what you can afford with our easy-to-use calculator. Get a clearer view of your financial picture by adjusting the calculator below.

*Disclaimer: Mortgage calculator rates and information are only for BorrowSmart.

Frequently Asked Questions

What is the benefit of using Holt's preferred lenders?

Using one of Holt's preferred lenders streamlines the financing process, ensuring smooth communication and a faster closing. Plus, you can enjoy benefits like better pricing, outstanding customer service, and expert knowledge of new construction and Holt communities.

Can I use my own lender instead of Holt's preferred lenders?

Yes, you can use your own lender. However, choosing one of Holt's preferred lenders provides a seamless process with perks like closing cost assistance and an in-depth understanding of Holt communities.

How do I get pre-qualified for a mortgage?

Pre-qualification involves discussing your financial situation with a lender, including income, debts, and assets. The lender will provide an estimate of how much you can borrow. With Holt's preferred lenders, BorrowSmart or USBank, you can start this process easily.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an initial assessment of your financial situation to estimate how much you can borrow. Pre-approval is a more in-depth process, where the lender verifies your financial information and commits to lending a specific amount.

Can I personalize my Holt Home during the financing process?

Yes, after purchasing a Holt Home, you'll have the opportunity to personalize your space at our design centers. Your preferred lender can discuss how these upgrades may affect your mortgage.

How long does the financing process typically take?

The financing process can vary depending on factors like loan type and approval speed. Typically, it takes around 30-45 days from application to closing. Working with Holt's preferred lenders can help ensure a smoother, faster process.

What if I've never purchased a home before?

No problem! As a first-time homebuyer, you may have many questions about the process. Our preferred lenders are experienced in guiding first-time buyers through every step of financing, from pre-qualification to closing. They'll provide expert advice and resources to ensure a smooth and stress-free experience.

What if I need help getting a down payment?

If you need assistance with your down payment, there are several options available, including down payment assistance programs and grants. Our preferred lenders can help you explore these options and determine which one is the best fit for your situation. They're committed to making the homebuying process accessible and achievable for everyone.

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