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Fixed-Rate Mortgage Options


We offer a variety of fixed-rate mortgage options designed to fit your needs.

  • Do you plan to stay in your home for many years?
  • Do you prefer a consistent mortgage payment?
  • Does your peace of mind depend on a payment that never changes?

Fixed-Rate Mortgage Qualification Requirements

  • Refinance up to 97% of your primary home's value.
  • Buy a home with as little as 3% down (primary home).
  • Loan amounts from $25,000 to $3,000,000.

How a Fixed-Rate Mortgage Works

  • Monthly payments are based on interest rate, principal loan amount, and amortized interest over the term of the loan.
  • Your payment will not change throughout the life of the loan.
  • Pay your mortgage at any time without pre-payment penalties.

Fixed Rate Mortgage Payment Example

Loan Amount Interest Rate APR Term Monthly Principal & interest Pmt
$150,000 3.625% 3.732% 30 years $684.08

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Adjustable-Rate Mortgage


Adjustable-Rate Mortgage Options

  • Do you want to significantly reduce the cost of your mortgage?
  • Do you plan to move or refinance in the next 5, 7 or 10 years?
  • Do you want the lowest rate available?

Adjustable-Rate Mortgage Qualification Requirements

  • Refinance up to 95% of your primary home's value.
  • Buy a home with as little as 5% down (primary home).

How an Adjustable-Rate Mortgage Works

  • FHA and VA ARMs are also available for those that want the flexible guidelines and security of an FHA loan.
  • Interest rates are fixed for a period of five or seven years. After the fixed rate period, your interest rate can adjust up or down depending on market conditions.
  • Rate adjustments are capped at 5% above your initial rate and 2% or 5% per adjustment period. This means if your initial interest rate is 3.99%, your rate will never be higher than 8.99%, and will never rise more than 2% per year.
  • Your actual payment will vary based on your situation and the current interest rates when you apply.
  • Pay your mortgage at any time without pre-payment penalties.

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VA Mortgages


VA Mortgages are guaranteed by the Department of Veterans Affairs for eligible veterans.

  • Are you a veteran, member of the military, or a surviving spouse of a veteran?
  • Do you want fast approval and minimal red tape?
  • Are you interested in refinancing up to 100% of your home, or buying a home with no down payment?

VA Loan Features

  • 30, 20, & 15-year fixed-rate and 5-year ARM loans available.
  • Refinance up to 100% of your primary home's value.
  • VA Streamline refinance with a reduced funding fee and flexible documentation requirements - available for veterans currently in VA loans.
  • Buy a home with no money down (primary home).
  • No monthly PMI (Private Mortgage Insurance).
  • VA loans are governed by the U.S. Department of Veterans Affairs.

How VA Loans Work

  • Fixed rate monthly payments are based on interest rate, principal loan amount and amortized interest over 15, 20 or 30 years. Your payment will not change throughout the life of the loan.
  • ARM interest rates are fixed for a period of 5 years. After the fixed-rate period, your interest rate can adjust up or down depending on the market.
  • Your actual payment will vary based on your situation and the current interest rates when you apply.
  • Pay your mortgage at any time without prepayment penalties.

VA Loan Extras

  • Credit scores as low as 620 qualify for VA loans.

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FHA Loan - Federal Housing Administration


An FHA loan is a mortgage insured by the Federal Housing Administration (FHA).

  • Do you need less stringent qualification and credit requirements?
  • Is your down payment or home equity less than 20%?
  • Do you have an FHA Loan and want to save money with an easy and fast FHA Streamline refinance?

FHA loan qualification requirements

  • Credit scores as low as 580 may qualify.
  • Refinance up to 97.75% of your primary home's value.
  • Buy a home with as little as 3.5% down (primary home).

How an FHA Loan Works

  • Your actual payment will vary based on your situation and the current interest rates when you apply.
  • Pay your mortgage at any time without pre-payment penalties.
  • 30, 25, 20 and 15-year terms are all available with fixed rates.
  • Adjustable-rate mortgage available.

What is an FHA Streamline Refinance

  • The FHA Streamline is a refinance program from the Federal Housing Administration which could get you a lower rate on your FHA mortgage without an extensive qualification process.
  • In order to qualify, you must currently be in an FHA loan. 

How the FHA Streamline Refinance Works

  • FHA Streamline is a refinance program for homeowners currently in an FHA loan.
  • FHA Streamline is offered as an adjustable rate mortgage or either a 15-year, 20-year, or 30-year fixed rate loan.
  • No appraisal required.
  • Minimal credit requirements.

Is an FHA Streamline Refinance Right for You

If you're in an FHA loan now and:
  • Your current mortgage rate is higher than today's mortgage rates.
  • You owe more on your mortgage than your home is worth.

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