New Home Financing Made Simple
Building a new home is one of the most important financial decisions you’ll make. With Victory Mortgage, our trusted in-house lending partner, Fischer Homes provides a seamless new home financing experience. From your first conversation to closing day, our dedicated team guides you through every step with clarity, confidence, and expertise.
Getting Prequalified
he first step toward your new home is understanding what is possible. A quick pre-qualification with Victory Mortgage gives you a clear picture of your budget and puts you in a stronger position when it is time to move forward.
Get Pre-qualified
Get<br/>Approved
With pre-qualification in hand, formal approval is the next milestone. Victory Mortgage works efficiently to review your financials and get you approved with confidence.
Approaching Homeownership
As your home takes shape, so does your path to ownership. Victory Mortgage prepares you for closing, reviewing your loan terms, locking in your rate, and ensuring everything is in order before the final step.
Home Sweet Fischer Home
You have done the work. Now it is time to walk through the door. At closing, Victory Mortgage will finalize your financing and you will receive the keys to a home designed around your life from the very beginning.
Monthly Payment Calculator
Take the guesswork out of budgeting for your dream home. Use our easy mortgage calculator to quickly estimate your monthly payments.
Resources
Buying a home starts with the right knowledge. These homebuying resources, backed by Victory Mortgage experts, help you navigate financing with clarity and confidence.
Terms to Know
Pre-qualification is an early assessment of your borrowing potential based on a review of your income, assets, and credit. It gives you a realistic picture of your budget before you begin your search and signals to builders that you are a serious buyer.
The APR represents the true yearly cost of your loan, including your interest rate and any associated fees. It is a more complete measure than the interest rate alone and is the most useful number for comparing loan offers side by side.
Your debt-to-income ratio measures how much of your monthly income goes toward existing debt obligations. Lenders use this number to evaluate your ability to take on a mortgage and manage payments responsibly over time.
Earnest money is a deposit made at the time of purchase to demonstrate your commitment to the transaction. It is applied toward your down payment or closing costs at the time of settlement.
Closing costs are the fees and expenses due at the final stage of your home purchase, separate from your down payment. These typically include lender fees, title insurance, taxes, and other transaction-related charges.
A rate lock is an agreement with your lender that guarantees your interest rate for a set period of time while your loan is being processed. It protects you from market fluctuations and gives you certainty as you approach closing.
This is the specific piece of land your home will be built on.
Elevation refers to the exterior appearance of a home, including elements such as brick or siding, porch style, and roofline, all of which can vary for the same floor plan.
A home that’s already under construction or completed so you can move in sooner.
Save After You Purchase with Victory Mortgage
Your relationship with Victory Mortgage does not end at closing. When the time is right, Victory Mortgage offers complimentary refinancing options to eligible Fischer Homes buyers, so you can continue to make the most of your investment long after you have settled in.
We Are Here to Help
From your first search to building your home, our team is here to help. Get expert guidance on financing, homebuying, and construction—every step of the way.
The Building Process
Building with Fischer Homes is a guided experience from start to finish. Learn what to expect at each phase of construction, how to prepare, and how our team keeps you informed and involved throughout the journey.
Financing
Victory Mortgage brings the lending process in-house, giving Fischer Homes buyers access to a dedicated team that understands new construction financing inside and out. Connect with Victory Mortgage to explore your options and take the first step toward approval.