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Home Purchase QualifierRefinance Rate Checker

Veterans Find out how much home you can afford right NOW!

Want to know what you can afford or how much your monthly payments would be? Just use our handy loan qualifier tool!
VA Loan Qualifier

Lower your rate and monthly payment right NOW!

It may be an ideal time to consider refinancing your loan. Use our rate quote tool to find out if now is the right time. When you’re making your decision, there are several things to keep in mind and we can help…
Get A Rate Quote in Minutes!

Sample Mortgage Rates

Here are a few of Forty Acres Lending’s available rates and products. Not sure which to choose?
Click DETAILS and Find out which mortgage is right for you.


15-Year Fixed

  • 3.125%
  • interest rate
  • 3.197%
  • apr

30-Year Fixed

  • 3.75%
  • interest rate
  • 3.791%
  • apr

5/1 Adjustabe

  • 3.375%
  • interest rate
  • 3.415%
  • apr


  • 3.75%
  • interest rate
  • 4.058%
  • apr

Get in Touch With Us

Our Loan Officers can answer all your questions and walk you through your mortgage options.

Getting Approved

Forty Acres Lending looks at four aspects of your credit profile when issuing mortgage loan approvals

Down Payment

Your down payment is your first stake in your new home.

Credit Score

The better your score, the more likely you are to get a great interest rate.

Employment History

A steady work history tells us how well you’ll be able to meet your mortgage.

Debt-to-Income Ratio

Debt ratio helps us determine how much mortgage you can afford.

Veteran Loans

The VA Home Loan lets you borrow up to 100% of the value of the home your are buying.  At Forty Acres Lending our Technology Manager is a Veteran and we understand the pride you have in earning and using your benefits.

What customers say about Forty Acres Lending

We needed to switch mortgage providers because the original bank really dropped the ball and left us uncertain if they could even process the loan. Gena and team made sure everything went smoothly and went the extra mile to help us track down information we were not sure how to obtain. All our (numerous) questions were answered very quickly and pleasantly. And the loan was closed in less than a few weeks after we switched to Good Life. I would not think of using anybody else in the future.

Stephanie Acuna

We met with Gena of GoodLife several years back when we first started thinking of buying a home. She very patiently worked with us while we went back and forth on the decision then ultimately decided not to buy. Our meetings and interactions with her made me appreciate that she was not just trying to sell us something but that she wanted to help us make a sound financial decision. She always erred on the side of caution in estimating our costs and income, so it almost feels like we have “extra” money now that we actually went through the process this year and bought a home. Also she got us a sweet rate as rates were going up. Last but not least as a woman I appreciated that she dealt directly with me and put my name on all the paperwork! A lot of businesses put my husband’s name on the papers either first or just instead of mine so I thought that was a nice touch.

Audrey Carmical

Home Ownership Made Easy

Gena Caudle and her team at Forty Acres Lending have been helping homeowners build and secure their future for years. All Loan officers on our team are top professionals, united by our common values of integrity, reliability, and simplicity. We have a great sense of humor too.  Take a few seconds to check out video!