30-year fixed
The classic. One steady principal-and-interest payment for the life of the loan â the most predictable path to owning.
Home purchase
A purchase mortgage that moves at the speed of your offer.
When you find the home, you can't afford a two-week financing delay. Jakelo verifies your income and assets automatically and returns a real pre-approval fast â so your offer stands up next to cash.
Why it wins offers
A pre-approval backed by verified data, not a guess.
Many pre-qualifications are little more than a soft estimate. A Jakelo pre-approval is underwritten against your verified income, assets, and credit, so listing agents treat it as the real thing.
- Underwritten pre-approval, not a soft estimate
- Shareable letter you can send with an offer in seconds
- Rate-lock protection while you shop
Pick your structure
Loan types for every kind of buyer.
15-year fixed
A lower rate and far less total interest in exchange for a higher monthly payment. Great if you can carry it.
Adjustable-rate (ARM)
A lower starting rate for an initial period â a smart fit if you expect to move or refinance within a few years.
FHA loans
Lower down payments and more flexible credit, ideal for first-time and credit-building buyers.
VA loans
For eligible veterans and service members: no down payment and no monthly mortgage insurance.
Jumbo
Financing above conforming limits for higher-priced homes, with the same automated experience.
Good to know
Common questions.
How much do I need for a down payment?
It depends on the loan. Conventional loans can start as low as 3% down, FHA as low as 3.5%, and eligible VA buyers can put nothing down. Jakelo shows you the real numbers for each option after your rate check.
Does checking my rate hurt my credit?
No. Your first rate check uses a soft credit inquiry, which is visible only to you and never affects your score.
How fast can I get pre-approved?
Most buyers get a conditional pre-approval the same day they connect their income and asset accounts â often within the hour.
Can I close entirely online?
Yes. Review your terms, e-sign your package, and close with a licensed online notary from anywhere. The only step that isn't digital is moving in.
Part of Loan options.
Ready to see your number?
A soft credit check and two minutes stand between you and a real purchase rate.