Yes. Fischer Homes partners with Victory Mortgage to make the financing process simple and personalized. Loan options include: 

• Conventional loans with flexible terms 
• FHA loans with lower down payment requirements 
• VA loans for eligible veterans and active-duty service members 

Victory Mortgage provides pre-approvals, rate comparisons, and closing cost guidance tailored to your situation. 

Yes. Fischer Homes partners with Victory Mortgage to make the financing process simple and personalized. Loan options include: 

• Conventional loans with flexible terms 
• FHA loans with lower down payment requirements 
• VA loans for eligible veterans and active-duty service members 

Victory Mortgage provides pre-approvals, rate comparisons, and closing cost guidance tailored to your situation. 

Down payments vary depending on the loan program you choose: 

• FHA loans may require as little as 3.5% down 
• VA loans often allow 0% down for qualified buyers 
• Conventional loans typically range from 3–20% 

Victory Mortgage will walk you through the options and help determine the right fit for your financial goals. 

Closing costs are the fees and expenses you pay to finalize your home purchase — separate from your down payment. They typically run 2–5% of your home's purchase price and may include: 

• Lender fees and loan origination charges 
• Title insurance and title search fees 
• Appraisal and inspection costs 
• Prepaid taxes and homeowners insurance 

Victory Mortgage will provide a detailed estimate early in the process so you can plan ahead with confidence. 

Absolutely — and we recommend it. Getting pre-approved helps you understand your buying power, sets a clear budget, and makes you a stronger buyer when you're ready to reserve a homesite. Victory Mortgage offers same-day pre-approval letters, so you can move quickly when you find the right fit. 

No. While Fischer Homes partners with Victory Mortgage and many buyers benefit from the streamlined experience and incentives that come with using our preferred lender, you're welcome to work with the lender of your choice. Keep in mind that some promotions or incentives may be tied to financing through Victory Mortgage, so it's worth comparing before you decide. 

Every lender is different, but you can generally expect to provide: 

• Proof of income (pay stubs, W-2s, or tax returns) 
• Bank statements and asset documentation 
• Employment verification 
• Identification and Social Security information 
• Credit authorization 

Victory Mortgage will give you a clear checklist early on so you know exactly what to gather — no guesswork. 

A rate lock secures your interest rate for a set period so it won't change before closing, even if market rates fluctuate. With Victory Mortgage, rate locks typically happen after your purchase agreement is signed and your loan is in process. Your loan officer will walk you through the timing and options based on your build schedule. 

Yes. Fischer Homes frequently provides limited-time incentives such as: 

• Interest rate buy-downs 
• Design Studio credits 
• Closing cost assistance 

Promotions vary by location and time of year. Ask your Sales Counselor about current offers, and make sure you're subscribed to our email updates so you'll always know about the latest opportunities. 

After pre-approval, your financing moves through several key steps as your home is being built: 

• Your pre-approval transitions into a formal loan application once your purchase agreement is signed. 
• Victory Mortgage will request any additional documentation needed for a full credit decision. 
• As construction nears completion, your loan officer will coordinate your rate lock, final underwriting, and closing timeline. 
• You'll receive a Closing Disclosure outlining your final loan terms and costs before closing day. 

Your Victory Mortgage loan officer stays in touch throughout the build so there are no surprises when it's time to close.