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Home Mortgages

Here to help make your dream home a reality

Turn your biggest purchase into one of your smartest with a competitive rate and experts to guide you along the way.

Call 1-800-288-5569

Today’s Mortgage Rates

Click here to get current rate information

 

Get a 0.125% Rate
Discount

Save even more when you set up automatic payments from your checking account for your new home loan.1

1-on-1 Support

Have a question? Our dedicated loan officers can help you navigate the home buying process with confidence.

Painless Process

Go from application to closing easier by collecting and verifying your information with secure document exchange.

No Surprises

Transparency is the best policy. You'll always know what to expect at each step of the process.

Guiding You Every Step of the Way

  1. Get Started

    Figure out how much you can put down on a home, plus what mortgage payment fits your budget.

  2. Prequalify for Your Loan

    Knowing how much you can borrow helps you proceed with confidence.

  3. Find the Right Fit

    Match your dream home with the right home loan.

  4. Make an Offer

    You’ve found the one. Now it’s time to place your offer. Then, you wait.

  5. Close Your Loan

    You got the house! Review your documents, finalize the details, then celebrate!

 

What to Know About Getting a Mortgage

  • How Much Home Can You Afford to Buy?

    Many experts recommend that your mortgage payment (including home insurance, property taxes, and any mortgage insurance) be 28% or less of your gross monthly income. For example, if your annual household income is $120,000, your gross monthly income would be $10,000. Therefore, you’d want to keep your monthly mortgage payment to $2,800 or less.


    Generally speaking, these five factors play a major role in determining whether you qualify for a home loan, how much you can borrow, and at what interest rate:

    1. Debt-to-income ratio
    2. Credit history and credit score
    3. Employment history
    4. Savings
    5. Down payment

    Click here to learn more.

  • What Is an Adjustable-Rate Mortgage?

    Fixed-rate mortgages are easy to understand. Your interest rate and monthly payment stay the same throughout the life of your loan. Adjustable-rate mortgages (ARMs) are different.


    ARMs have interest rates that adjust over time. Typically, the starting rate remains fixed for a set number of years, such as three, five, or even as much as 10 years. After that fixed period ends, the rate changes periodically, typically on an annual basis. Note: The first scheduled adjustment — after the initial fixed-rate period ends — could increase your monthly mortgage payments.


    ARMs can be a popular mortgage choice when interest rates are high. And if you only plan to stay in your home for a few years, they can be an option worth considering as long as you sell your home before the rate changes.

    Click here to learn more.

  • What to Know About Mortgage Down Payments

    How much should you put down on your new home? The answer can vary depending on the person or people involved.

    Yes, there are benefits to putting down 20% of a home’s final purchase price, including borrowing less, a lower monthly payment, and no mortgage insurance. However, saving enough to put down, say, $50,000 on a $250,000 home is no easy task. With that in mind, it’s not surprising that the average down payment is just 6% for first-time homebuyers and 14% for repeat buyers.

    Click here to learn more.

  • Federal Housing Administration (FHA) Home Loans
    Insured by the FHA, these loans offer low down payment requirements and flexible qualifying guidelines for borrowers with less-than-perfect credit.
  • Department of Veterans Affairs (VA) Home Loans
    VA loans are fixed-rate mortgages that are guaranteed by the VA and made available to qualified military veterans. These loans feature a low down payment or no down payment requirement at all.
  • Doctor Loan Program2
    This loan program features low down payment requirements, and in some instances no mortgage insurance requirements, for licensed Doctors of Medicine (MD), Doctors of Osteopathic Medicine (DO), Doctors of Dental Surgery (DDS), and Doctors of Dental Medicine (DMD). Borrowers must have completed residency within the last ten years or be a current medical professional resident, fellow or intern. Borrowers may also be self-employed physicians or physicians employed as a medical researcher by a major hospital.
  • Mortgage Myths Debunked
    We've all heard the rumors and stories about what you should or shouldn’t do when it comes to buying a home. But don’t let these mortgage myths intimidate you.  In fact, we’ve debunked the most common ones. Click here to learn more.
  • How Much Home Can You Afford to Buy?

    Many experts recommend that your mortgage payment (including home insurance, property taxes, and any mortgage insurance) be 28% or less of your gross monthly income. For example, if your annual household income is $120,000, your gross monthly income would be $10,000. Therefore, you’d want to keep your monthly mortgage payment to $2,800 or less.


    Generally speaking, these five factors play a major role in determining whether you qualify for a home loan, how much you can borrow, and at what interest rate:

    1. Debt-to-income ratio
    2. Credit history and credit score
    3. Employment history
    4. Savings
    5. Down payment

    Click here to learn more.

  • What Is an Adjustable-Rate Mortgage?

    Fixed-rate mortgages are easy to understand. Your interest rate and monthly payment stay the same throughout the life of your loan. Adjustable-rate mortgages (ARMs) are different.


    ARMs have interest rates that adjust over time. Typically, the starting rate remains fixed for a set number of years, such as three, five, or even as much as 10 years. After that fixed period ends, the rate changes periodically, typically on an annual basis. Note: The first scheduled adjustment — after the initial fixed-rate period ends — could increase your monthly mortgage payments.


    ARMs can be a popular mortgage choice when interest rates are high. And if you only plan to stay in your home for a few years, they can be an option worth considering as long as you sell your home before the rate changes.

    Click here to learn more.

  • What to Know About Mortgage Down Payments

    How much should you put down on your new home? The answer can vary depending on the person or people involved.

    Yes, there are benefits to putting down 20% of a home’s final purchase price, including borrowing less, a lower monthly payment, and no mortgage insurance. However, saving enough to put down, say, $50,000 on a $250,000 home is no easy task. With that in mind, it’s not surprising that the average down payment is just 6% for first-time homebuyers and 14% for repeat buyers.

    Click here to learn more.

  • Federal Housing Administration (FHA) Home Loans
    Insured by the FHA, these loans offer low down payment requirements and flexible qualifying guidelines for borrowers with less-than-perfect credit.
  • Department of Veterans Affairs (VA) Home Loans
    VA loans are fixed-rate mortgages that are guaranteed by the VA and made available to qualified military veterans. These loans feature a low down payment or no down payment requirement at all.
  • Doctor Loan Program2
    This loan program features low down payment requirements, and in some instances no mortgage insurance requirements, for licensed Doctors of Medicine (MD), Doctors of Osteopathic Medicine (DO), Doctors of Dental Surgery (DDS), and Doctors of Dental Medicine (DMD). Borrowers must have completed residency within the last ten years or be a current medical professional resident, fellow or intern. Borrowers may also be self-employed physicians or physicians employed as a medical researcher by a major hospital.
  • Mortgage Myths Debunked
    We've all heard the rumors and stories about what you should or shouldn’t do when it comes to buying a home. But don’t let these mortgage myths intimidate you.  In fact, we’ve debunked the most common ones. Click here to learn more.
Call 1-800-288-5569

Home Loan Originator NMLS Status

Our Home Loan Originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS). Check your loan originator's status here.

Existing Mortgage Customers

Find information about your existing mortgage account, payment options and ways to contact us.

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