Choose your comfortable payment
Use the calculator to find a monthly payment that feels right for you.
FFirefly Mortgage
Firefly Mortgage
Your mortgage.
Your way.
You are in charge of this important financial transaction.
Set the payment. Choose the rate and cost combination. Move forward at your pace—with clear instructions at every step.
Prefer a person? Switch to a live, licensed loan officer at any time.
Your five-step path
Choose your rate and closing costs
Drag the rate bar, compare the tradeoff, then request to lock your combination.
Complete your Secure 1003
Fill out your protected mortgage application when your numbers feel right.
Ask us to process and underwrite
Send your completed application into our automated review with one clear button.
Finish your personalized items
Upload requested documents, answer conditions, and receive your pre-approval, approval, CD, and other lender documents.
Step 1 navigationAfter choosing your comfortable payment, press Next.
Start here
Put yourself in the driver’s seat.
Work through the numbered sections below. Nothing is submitted or locked until you explicitly ask us to proceed.
Step1
Your comfort comes first
What monthly payment works for you?
Adjust the home price, down payment, and term. We will show the estimated principal and interest payment instantly.
Estimated monthly P&I$2,234Loan amount $340,000 at 6.875%
How does that feel?
Step2
You choose the tradeoff
Drag to balance your rate and closing costs.
Move left for a lower rate with more upfront cost, or right for a higher rate with a lender credit.
Lower rateHigher closing costsLower closing costsHigher rate
Use the slider or buttons
Your selected rate6.875%
Estimated points0.000 · $0
Estimated cash to close$91,800
This is a demonstration—not a Loan Estimate or rate lock. A licensed loan officer must review eligibility, pricing, and your explicit lock request before anything becomes binding.
Step3
Protected application
Complete your Secure 1003.
Tell us about you, your income, the property, assets, and obligations. Save and return whenever you need.
- Encrypted and access-controlled
- Progress saved automatically
- Plain-language explanations
Step4
Only when you are ready
Please process / underwrite my loan.
This button sends your completed application and available documents for processing and underwriting review.
✓ Application complete✓ Rate choice saved• Your authorization required
Step5
One place for every item
Complete requests and receive lender documents.
Your personalized checklist shows exactly what to provide, why it is needed, when it is due, and what the lender has sent back to you.
From you
2 openRequested items
↑
Bank statementsLast two complete statements
↑
Deposit explanation$8,250 deposit source
✓
Photo identificationReceived and verified
For you
SecureDocuments from your lender
↓
Pre-approval letterReady to download
↓
Conditional approvalDelivered Aug 25
↓
Closing DisclosureAvailable after timing review
Not approved yet?
Here’s how we help you get approved.
A “not yet” is the beginning of a plan. With your permission, we can securely review your credit, explain what is holding the file back, and give you clear next steps.
- Verify your identity and give permissionYou stay in control. We never pull credit without your explicit consent.
- Pull and review your credit reportSee your report and the factors that may affect mortgage readiness.
- Follow your approval planResolve inaccuracies, manage balances, document history, and track your progress.
- Recheck when you are readyYour loan team reviews the updated file and next available loan options.
✓
Secure credit center
Your credit report belongs to you.
After identity verification and written consent, your report will appear here for secure viewing and download.
Credit data is encrypted, access-controlled, and audit logged. A connected credit provider is required before a live report can be pulled.✦
Need help at any point?Ask the Firefly AI assistant for an instant explanation, or switch to a live licensed loan officer.