Frequently Asked Questions

Buying a new home is one of the biggest financial decisions you'll make, but it doesn't have to feel overwhelming.

This section answers common questions about mortgage pre-approval, preferred lenders, financing options, closing costs, incentives, and what is included in the price of an Ernest home. Whether you're purchasing a move-in ready home or building from the ground up, we'll help you understand where the builder's role ends, where your lender's role begins, and which questions to ask before making financial decisions.

Loan programs, interest rates, qualification requirements, and available incentives can vary by buyer, lender, home, and community. Our team can explain the home-related costs and connect you with experienced lending professionals, but your lender will provide the final guidance and disclosures for your individual financing.