Loan options for your situation
Whether you are a first-time buyer or refinancing, we have structured programs to match your goals. Your loan officer walks you through each option so you understand what works best for you.
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Fixed-Rate Mortgages
Predictable payments over 15, 20, or 30 years. Your rate stays the same from closing day forward, giving you certainty in your monthly payment.
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Adjustable-Rate Mortgages
An initial fixed period followed by a rate that adjusts. Often suited for buyers planning to sell or refinance before the adjustment period begins.
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Refinance Programs
Restructure your existing mortgage to lower your payment, shorten your timeline, or access home equity. We guide you through the options.
Understanding your loan
What you can afford
Before you shop, know your range. Prequalification gives you a sense of what lenders are willing to work with based on your income, debts, and credit. It takes a conversation with your loan officer and a quick financial review. Prequalification is not a commitment; it is a starting point.
Moving from interested to serious
Your application is the formal record of your financial life. We ask for tax returns, pay stubs, bank statements, and details about your employment and debts. Your loan officer reviews everything with you to make sure nothing is missing. The clearer your application, the faster we can move forward.
Verifying and valuing
Our underwriting team reviews your application against lending guidelines. An independent appraiser determines the home's value. Your loan officer keeps you informed throughout both processes and explains what happens next at every turn.
The Process
From offer to keys
After underwriting and appraisal, we schedule a closing meeting. You will review and sign your final documents with a title company or attorney. Your loan officer is there to answer last-minute questions.
Common questions about our loans
Your loan officer is here to answer what matters most to you. Here are conversations we have often.
What is the difference between prequalification and preapproval?
Prequalification is an informal estimate based on what you tell us about your finances. Preapproval is formal and requires documentation we verify. Preapproval shows sellers you are serious and gives you a reliable picture of what you can borrow.
How long does the mortgage process take?
From application to closing typically takes 30 to 45 days, depending on how quickly you provide documents and how the appraisal and underwriting proceed. Your loan officer sets realistic expectations and keeps you updated at every stage.
What do I need to provide for my application?
We ask for recent tax returns, W-2s or pay stubs, bank statements, details about your debts, and information about employment. Your loan officer will give you a complete list and explain why we need each item.
Today's rates by loan type
Rates change daily based on market conditions. Your loan officer provides current rates and explains what factors affect the rate you receive.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-Year Fixed The most common choice for primary residences and long-term ownership | 6.500% | 6.625% |
| 15-Year Fixed Build equity faster with higher monthly payments and a shorter loan term | 5.750% | 5.900% |
| Adjustable-Rate Mortgage Lower initial rate with potential adjustments after the fixed period ends | 6.250% | 7.125% |
Assumptions include standard loan terms, standard credit profiles, and standard down payments. Your actual rate and APR will be provided by your loan officer and confirmed in a Loan Estimate within three business days of your application.
These rates are provided for educational purposes. Your actual rate will be determined during the loan process and will be disclosed in your Loan Estimate. Rates are subject to change. Please contact your loan officer for your personalized rate quote and to understand all terms and conditions.