Choose Your Mortgage

You’ll find a wide selection of mortgage loans that are nearly as diverse and unique as the customers who rely on them. 

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Fixed-Rate Mortgage

Gives you the peace of mind that comes with a consistent, stable interest rate.

  • Interest rate stays the same for the life of the loan
  • Available with 30-, 20-, 15- and 10-year terms
  • No prepayment penalty
  • Down payment can be as low as 3%

The main value of a fixed-rate mortgage is its interest rate doesn’t change. If interest rates are low, and your credit score is optimal, A fixed rate mortgage could lock in the best rate possible for the duration of your mortgage.

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Refinance Loan

Looking to refinance your current home mortgage? Refinancing options are available.

  • Available with 10- or 15-year terms 
  • Low closing cost options available
  • Choose a rate and term refinance or a cash-out refinance, even if your current mortgage is with another bank

When you refinance your home, you replace your current mortgage with a new, more favorable one. There are many reasons why refinancing your mortgage could be a good idea, like taking advantage of lower interest rates. You can also leverage your financial position if it’s greatly improved since you were approved for your initial mortgage. 

If you have equity in your home, you may be able to take out a new mortgage for more than what you owe, so you can use the extra cash for other expenses. Refinancing could also eliminate your private mortgage insurance (PMI) payments. 

Other reasons are to avoid a balloon payment or refinance an adjustable-rate mortgage to a fixed term.

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Fannie Mae HomeReady® Loan

Enables affordable housing opportunities for borrowers with low-to-moderate income.

  • Available for home purchases and limited cash-out refinances
  • Put as little as 3% down
  • Affordable and cancellable mortgage insurance available
  • Wide range of down payment and closing cost funding sources accepted
  • Income limit is 80% of Area Median Income*
  • Homeownership education and counseling options are available

*Area Median Income data source is Fannie Mae.

The Fannie Mae HomeReady® Loan program offers fixed-rate mortgage loans designed to make home ownership more accessible for more people. Created to meet the needs of borrowers with low-to-moderate income, HomeReady™ offers affordable financing with flexible terms.

Wide range of down payment and closing cost funding sources accepted including gifts, grants, cash-on-hand and Fannie Mae Community Seconds.

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Because buying a home doesn’t need to be a secret.

Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process.  

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Let’s Set You Up for Success

Ready to apply for your mortgage?

Great! Our mortgage experience is built around you. Say goodbye to heaps of paperwork and a cumbersome application process.
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Buying a home?

Download our step-by-step guide. From offers and appraisals to closing, you’ll go through the homebuying process more informed and confident.
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Your Path to a New Home Starts Here

Get financial insights, facts and homebuying advice.

Understanding Mortgages

Most people will need a mortgage to finance the purchase of a home. A mortgage works much like any other loan: You borrow money from a bank, credit union or…
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Understanding Housing and Debt Ratios

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Know When to Lock-In a Mortgage Rate

When you are preparing to get a mortgage, one of the steps you can take is to lock in your interest rate. This is when you sign a formal agreement…
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Getting Rid of Private Mortgage Insurance

When purchasing a standard mortgage from a private lender, you may be required to purchase private mortgage insurance (PMI). However, PMI can be costly, usually charging you around 0.5% to…
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Saving for a Down Payment on a Home

Owning a home instead of renting is often a wise financial move. It allows you to reduce your overall monthly costs while you build equity in real property. The biggest…
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Winterizing Your Home: Protecting Your Investment

Winter is fast approaching and with it comes the tendency for many people to hibernate until spring. While you can escape the elements by staying indoors, your home is constantly…
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The Pros and Cons of an HOA

A homeowners association (HOA) provides you with the chance of living in an orderly and well-run neighborhood that’s managed by an organization that sets the rules and regulations under which…
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