Purchase a Home Refinance my Home Compare Mortgage Rates Find a Mortgage Consultant Purchase Calculator Buy your home - and leave the fees. Get the home you want without paying more than you need. Choose Wyndham Capital for competitive rates, top-notch customer service and no application fees. GET STARTED Powerful Tools and Personalized Service From application to closing, our process is quick, digital and streamlined. Find loans, compare rates and get pre-approved all on your schedule. Priority Pre-Approval Get pre-approved fast so you can make an unbeatable offer. $10k On-Time Closing Guarantee If you don’t make it to closing on time, we’ll pay you and the seller. 0% COMPLETE What type of loan are you interested in? REFINANCE PURCHASE Buy your next home with fewer loan fees. You’re making one of the biggest purchases of your life. Let Wyndham Capital help you avoid hidden fees at the closing table. Find your Home Loan Wyndham Capital offers several home loan options, with repayment terms ranging from 10 to 30 years. Once you’ve found the best choice, you can expect a fully digital mortgage lending experience — from application to closing. Read More Use Our Calculators Not sure how much house you can afford? Our mortgage calculator can help cut down on the guesswork. Customize the inputs based on your down payment, interest rate, home price and more to estimate your monthly mortgage payment. Read More First-Time Homebuyer Navigating the homebuying process as a first-timer can be an overwhelming experience. Our comprehensive first-time homebuyer guide breaks down each step, so you’re better prepared to achieve your goal of homeownership. Read More Buying a Home Combining automation with 5-star service, offered by Wyndham Capital Mortgage, you will never experience getting a home loan like this anywhere else. From application to eClosing, you save time and money with Wyndham Capital Mortgage. You’ve never seen a home lending process this easy and fast. Tools For Success Wyndham Capital Mortgage believes knowledge is power in the home buying process. That’s why we’ve made it easy to compare mortgage rates plus get your mortgage pre-approval all from the comfort of your home. Our simple mortgage calculator helps you determine “how much house” you can afford based on principal, interest, home insurance, property taxes and even home owner association (HOA) fees. Priority Purchase Often, you may not be the only one interested in buying a particular home, which is why being pre-approved could be an advantage. With Wyndham Capital’s Priority Purchase Program, your mortgage pre-approval can be the step you need. By verifying your income, credit and other lending factors, this underwritten pre-approval informs sellers and realtors your offer is backed by a leading mortgage lender. On-Time Guarantee As online mortgage lenders, we value offering a fast and efficient mortgage loan experience for all of our clients. That’s why we back our mortgage loan process with a $10k on-time closing guarantee. eClosing With Wyndham Capital’s eClosing, you close on your time anywhere that is convenient for you. From answering your mortgage questions to making sure all the necessary paperwork is completed, Wyndham Capital Mortgage is your virtual one-stop-shop for your mortgage needs. Chat with one of our mortgage lending experts today to get started with the home purchase process. Home Purchase Loan Options 30-Year Mortgage Rate A 30-year mortgage loan is the most common type of home loan. It offers lower monthly payments but higher interest rates. This may be a great option for those buying a new home for the first time. 20-Year Mortgage Rate A 20-year mortgage rate loan comes with slightly higher monthly payments than a 30-year loan and slightly lower interest rates with the ability to pay off the loan quicker. 15-Year Mortgage Rate A 15-year mortgage rate loan comes with higher monthly payments and lower interest rates for a shorter amount of time. This could be a good option for those who have the funds available to pay a larger monthly mortgage payment. 10-Year Mortgage Rate A 10-year mortgage loan comes with much higher monthly payments and lower interest rates with the ability to fully own your home in 10 years. This could be an option for high-income earners buying a new home. Home Purchase FAQs Should I float or lock my mortgage rate? You may want to lock your mortgage rate when interest rates are fluctuating. This ensures your interest rate doesn’t increase before your home purchase. Floating your mortgage rate has some risk because while there is a chance the rates will drop, they also can increase. Which is better, a 15 or 30-year mortgage? A 30-year mortgage may be better for homebuyers who want a low monthly mortgage payment. A 15-year mortgage is likely better for homebuyers who want to pay off their loan quickly and have a larger available monthly budget. How long is a typical mortgage term? Mortgage terms vary from 10 to 30 years, with the most popular option for buying a new home being a 30-year mortgage term. How many mortgages should I apply for? During the home purchase process, the homebuyer may want to avoid applying for more than mortgages so it does not negatively impact your credit score. When should I start shopping for a mortgage? A mortgage pre-approval is good for 60-90 days. You should start shopping for a mortgage three to four months before you are ready to purchase a home. 4064 Colony Rd. Morrocroft Floor 2 Charlotte, NC 28211 Mon-Fri 8:00 a.m. – 5:30 p.m. ET 1-888-923-9911 Legal Privacy Policy State Licenses Terms & conditions Privacy Notice for California Residents Privacy Notice for California Residents (Applicants & Employees) WyndhamCapital.com About Us Our Company Careers Contact Us Newsroom Our Stats State Licenses Mortgage Home Purchase 10 Yr Mortgage Rate 15 Yr Mortgage Rate 20 Yr Mortgage Rate 30 Yr Mortgage Rate Refinance 10 Yr Mortgage Rate 15 Yr Mortgage Rate 20 Yr Mortgage Rate 30 Yr Mortgage Rate Resources Find A Loan Officer First-Time Homebuyers FAQ WCM Blog Conventional ARM VA FHA Jumbo USDA Cash-Out Refinance eClosings On-Time Closing Guarantee Calculators Mortgage Calculator Refinance Calculator Rent vs. Own Calculator Affordability Calculator 2021 Wyndham Capital Mortgage is an Equal Housing Lender. NMLS ID# 2948 (For licensing information, go to https://www.nmlsconsumeraccess.org/) | 888-923-9911 | 4064 Colony Road, Morrocroft II, Floor 2, Charlotte, NC 28211 | Wyndham Capital Mortgage licensed by AL #21451 | AK #AK2948 | AZ : 2141 E. Highland Ave, Phoenix, AZ, 25016, Mortgage Banker License #BK-0930262 | AR #108108 | CA Department of Financial Protection and Innovation, Finance Lender Law #603H883 | CO: Regulated by the Division of Real Estate #2948 | CT #ML-2948 | DE #025001 | D.C. #MLB2948 | FL #MLD13 | GA Residential Mortgage Licensee #17110 | ID#MBL-8867 | IL Residential Mortgage Licensee #MB.6759402 – Dept. of Financial and Professional Regulation | IN #10884 | IA #2017-0149 | KS Licensed Mortgage Company MC.0025262| KY #MC390971 | LA #2948 | ME Supervised Lender License #2948 | MD #11536 | MI #FL0015915 & #SR0017188 | MN Not an offer for a rate lock agreement #MN-MO-40031142 | MS Licensed by the MS Dept. of Banking and Consumer Finance #2948 | MO #21-2380 | NE #2948 | NV #4546 | NH Licensed by the NH Banking Dept #13577-MB | Licensed as a Residential Mortgage Lender by the N.J. Department of Banking & Insurance #2948 | NM #2948 | NC #L-104239 | ND #MB103203 | OH #RM.850201.00 | OK #ML010652 | OR #ML-4964 | PA Licensed by the Dept. of Banking #3000 | Rhode Island Licensed Loan Lender by the Department of Business Regulation #20102690LL & 20112759LB | SC #MLS-2948 | SD #ML.05180 | TN #109314| TX #2948 | UT #9710532 | VT #7117 | VA #MC-2238 | WA : Licensed by the Dept. of Banking #CL-2948 | WV #ML-31395 | WI #2948BA | WY #3085 |All Rights Reserved. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, term, conditions are subject to change without notice. Wyndham Capital Mortgage is not affiliated with any government agency.