Fixed-Rate Mortgage | Adjustable Rate Mortgage | First-Time Homebuyer Program | Refinance Your Mortgage | FHA Loan | Jumbo Mortgage | Single-Close Construction Loan | Land Loan | VA Loan | USDA Loan | |
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Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | Call to Apply 1-800-561-9433 | Apply Now | Apply Now | Apply Now | |
Key Benefits |
Predictable payments No interest-rate surprises |
Lowest short-term rates Initial lower monthly payments |
Low down payment No mortgage insurance |
Better rate or loan term |
Low down payment Government-backed |
Loan for higher-priced properties1 No mortgage insurance |
One closing, one loan2 |
Keeps your land and home loans separate |
No down payment No mortgage insurance |
No down payment |
A Good Option If You |
Want your rate and payments to stay same for life of loan Plan to stay in your home for several years |
Are comfortable with rate and payments fixed at first, then adjusting later Don't plan to stay in the home long |
Do not have a substantial down payment saved Have not owned a house in the past three years |
Want to reduce your monthly payment or shorten your loan term |
Do not have a substantial down payment saved Have less than perfect credit or limited credit history |
Want to avoid two or more loans for a home purchase up to $2 million Have established credit history |
Want one loan that covers new home construction and then converts to standard mortgage |
Are buying a lot for a future home |
Are an American veteran, current military, reservist, or surviving spouse |
Are purchasing a property in a rural area Meet income restrictions for your county |
Available Loan Terms |
Purchase & Refinance: 5, 7, 10, 15, 20, and 30 years |
Purchase & Refinance: 3/1, 5/1, 10/1 ARM 5/5 30-years 5/5 15-years |
15, 20, and 30 year fixed 5/5 ARM |
15, 20, and 30 year fixed 5/5 ARM and more! |
Purchase & Refinance: 15 and 30 year fixed |
Fixed and adjustable rate options |
12-month construction term |
1 year maximum |
Purchase & Refinance: 15 and 30 year fixed |
30 year fixed |
Interest Rate As Low As |
Purchase:2.375% Refinance: 2.625% |
Purchase: 2.625% Refinance: 2.875% |
15 Year Fixed at 3% |
Fixed-Rate: 2.625% Adjustable Rate: 2.875% |
2.750% | Contact Us for Options | Contact Us for Options | Contact Us for Options | 2.750% | Contact Us for Options |
APR As Low As |
Purchase: 2.518%3 Refinance: 2.769% |
Purchase: 2.703%4 Refinance: 2.705% |
15 Year Fixed at 3%5 |
Fixed-Rate: 2.769% Adjustable Rate: 2.705% |
3.788%6 | Contact Us for Options | Contact Us for Options | Contact Us for Options | 2.769%7 | Contact Us for Options |
No Points | ||||||||||
No Mortgage Insurance (PMI) | — | — | — | — | — | — | — | |||
Down Payment | As low as 20% of purchase price | As low as 10% of purchase price | As low as 5% of purchase price | As low as 10% of purchase price | As low as 3.5% of purchase price | Varies based on loan terms chosen | 10% of purchase price | 20% or more of lot value | $0 | $0 |
Loan Limits | — | — |
Up to $325,000 |
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Up to $2 million |
Up to $1 million |
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Special Feature | — | — | — | — | Backed by the Federal Housing Administration (FHA) | — | — | — | Guaranteed by the U.S. Department of Veterans Affairs (VA) | Offered by the U.S. Department of Agriculture (USDA) |
Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | Apply Now | Call to Apply 1-800-561-9433 | Apply Now | Apply Now | Apply Now |
We are happy to help! Call 1-800-621-2105 or start a live chat (Mon-Fri, 8 am–5 pm Eastern).