Whether you're looking to buy a new home or refinance your current mortgage, we make the lending process quick and easy through our knowledgeable team of experts.
Mortgage Loan Options
- Fixed or adjustable rate
- At least 5% down payment
- Multiple terms available
Federal Housing Administration (FHA)
- Fixed rate
- At least 3.5% down payment
Your income must fall within program limits.
Veterans Affairs (VA)
- Fixed rate
- No down payment required
Home Possible or HomeReady®
- Fixed rate
- At least 3% down payment
- Fixed or adjustable rate
- At least 20% down payment
For those in need of a more sizable loan.
Competitive Rates and Terms
|Loan Type||Rate||APR||Assumptions||Monthly Payment||Final Payment|
|Conventional 30-Year Fixed Rate||3.625%||3.688%||Assumptions||$729.68||$730.95|
|Conventional 15-Year Fixed Rate||2.875%||2.981%||Assumptions||$1,095.34||$1,094.80|
|Conventional 10-Year Fixed Rate||2.875%||3.030%||Assumptions||$1,535.76||$1,535.37|
|FHA 30-Year Fixed Rate||3.250%||4.283%||Assumptions||$891.10||$889.59|
|VA 30-Year Fixed Rate||3.250||3.430||Assumptions||800.21||802.51|
Rates listed are effective as of 8/2/2019 for loan amounts of $100,000 to $647,200, are not guaranteed, and are subject to change without notice. Rates and/or origination fees may vary depending on the consumer’s credit scores, loan-to-value ratio, and/or reason for the loan, such as purchase, refinance or cash-out refinance.
Get a quick estimate with our calculators
These calculators are provided for your convenience. The accuracy of the calculation is not guaranteed. It is not intended as an advertisement, a disclosure statement under any consumer law, or an offer of tax, legal, financial or investment advice, and the calculator is not guaranteed to be applicable to your circumstances. It is not a guarantee of the availability of any particular loan product or interest rate or an offer to make a loan.
Our mortgage professionals are here to help
How much should I put down? What is PMI? Can I get approved for a loan today? You don't have to figure out all the answers yourself. Our mortgage lending professionals are ready to guide you through the home purchase or refinance process.
Refinance your current mortgage
Depending on your goals, current rates, and additional factors, it may be beneficial for you to refinance your current mortgage. Use our calculator to see if refinancing could potentially save you money over the life of your loan.
Frequently Asked Questions
A pre-approval letter is a letter from a potential lender certifying that you are pre-approved for a loan up to a certain amount. This letter helps sellers feel more confident that you are able to purchase the property on which you are making an offer. If you are in the market for a new home, having a pre-approval ready could help you act more quickly to secure a winning offer on a home, especially in cases where the seller is receiving multiple offers at once.
Yes, you will need to make a down payment unless you qualify for a loan that allows for 0% down (such as a VA loan). The amount you’ll need to put down depends on a variety of factors, and it can affect the interest rate you receive, whether PMI will be required, and your monthly payment amount.
Rates are based on a variety of factors, such as the loan purpose, your credit history and ability to repay, the value of the collateral, and the loan amount, to name a few.
Closing costs are items paid in connection with the settlement of your loan, including any appraisal fees, title insurance fees, pre-paid interest, and documentation fees. These costs will vary from loan to loan, depending on the type of loan you choose, property location, and other factors. You will receive an estimate of your closing costs prior to closing, so you can review and decide if you want to proceed with the loan.
Private mortgage insurance (PMI) is a type of insurance you are sometimes required to pay if you have a conventional loan. The insurance protects your lender if you are unable to make payments on your loan. When you make a down payment of less than 20% of your home's value on your home, you are typically required to have PMI. PMI is also required on a refinance transaction if you have less than 20% equity in the property you are refinancing. Your monthly mortgage payment will typically include this cost.
You are required to show proof of income and assets (such as checking, savings, and investment accounts), which usually include copies of W-2 statements or full tax returns, recent pay stubs, and account statements. You may need more documentation depending on the specific details of your loan.
We look at your credit history, the property value, and your debt-to-income ratio.
It can take up to 60 days, including time required for title work, appraisal, and inspection. Providing requested documents to the lender as soon as possible may help speed up the process. Make sure you report any changes related to your job status, salary, or new debt to your lender as soon as possible, as these can cause delays in the process.
Everyone's tax situation is unique. Please consult a tax adviser to assess your individual situation.