Get a Mortgage from Makazi Yangu Home Loans

We offer mortgage loans with competitive rates, no hidden fees and guidance at every step. Start now by getting your BuyAbilitySM to see what you can afford in real time.

Calculate Your BuyAbility

Calculate Your Buying Power

Mortgage Calculator

Find out how much home you can afford with our mortgage calculator.

Your Buying Power Estimate

Maximum Home Price: Ksh 0
Loan Amount: Ksh 0
Estimated Monthly Payment: Ksh 0
Total Interest Payable: Ksh 0

Homes Within Your Reach

Here's an example of properties that could be within your financial comfort zone.

Modern 3-Bedroom Home
Within BuyAbility

Modern 3-Bedroom Home in Milimani

Ksh 12,500,000
3 beds | 2 baths | 1,800 sqft
View Details

Why Choose Makazi Yangu Home Loans?

Competitive Rates

Strong rates, no hidden fees, and total transparency to keep you informed and up to date.

Low Down Payment Options

We offer a variety of loan options to meet your needs and help make home ownership more affordable.

Top-Rated Loan Officers

With a 4.9-star average rating, our loan officers provide step-by-step guidance and expertise in first-time home buying.

Find the Right Mortgage for You

Most Popular

30-Year Fixed

Rate 6.125%
APR 6.264%
  • 3% min down payment
  • Lower payments due to longer term
  • Stable monthly payments
Lower Credit Profiles

30-Year FHA

Rate 6.375%
APR 6.512%
  • 3.5% min down payment
  • More flexible credit requirements
  • Government-backed loan
Pay Off Faster

15-Year Fixed

Rate 5.875%
APR 6.124%
  • Build equity faster
  • Lower interest rate
  • Pay off your home sooner

How to Get a Mortgage with Makazi Yangu

1

Calculate Your BuyAbility

Get a real-time estimate of what you can afford with Makazi Yangu Home Loans.

2

Get Pre-approved

Make strong offers on homes with a Verified Pre-approval letter from us.

3

Make an Offer

Confirm that a home fits your budget with us and determine a fair offer price.

4

Apply for a Mortgage

After your offer is accepted, you'll complete your full loan application.

5

Close on Your Home

Congrats, homeowner! Sign the closing paperwork and we'll finalize the sale.

Frequently Asked Questions

What documents do I need to apply for a mortgage?

You'll typically need proof of income (pay stubs, tax returns), proof of assets (bank statements), employment verification, credit history, and information about the property you wish to purchase.

How long does the mortgage approval process take?

The mortgage approval process typically takes 30-45 days from application to closing, but this can vary based on the complexity of your financial situation and the property.

What is the difference between pre-qualification and pre-approval?

Pre-qualification is an initial assessment based on self-reported information, while pre-approval involves a thorough review of your financial documents and results in a conditional commitment for a specific loan amount.

How much down payment do I need?

Down payment requirements vary by loan type. Conventional loans typically require 3-20%, FHA loans require 3.5%, and some specialized programs may offer 0% down payment options for qualified buyers.

What factors affect my mortgage interest rate?

Your credit score, loan amount, down payment, loan term, property type, and current market conditions all influence your mortgage interest rate.

Can I get a mortgage with a low credit score?

Yes, there are mortgage options available for borrowers with lower credit scores, such as FHA loans which may accept scores as low as 580 with a 3.5% down payment.

Still have questions? Contact us today and we'll be happy to assist you!

Contact Us