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LOANS & MORTGAGES

Making Your Dreams
Affordable

Competitive rates, flexible terms, and personalized guidance to help you finance your home, vehicle, and life goals.

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30-YR FIXED 6.125% APR
15-YR FIXED 5.625% APR
5/1 ARM 5.500% APR
AUTO LOAN 5.49% APR
PERSONAL LOAN 8.99% APR
HELOC 7.75% APR
30-YR FIXED 6.125% APR
15-YR FIXED 5.625% APR
5/1 ARM 5.500% APR
AUTO LOAN 5.49% APR
HOME LOANS

Home Purchase
Loans

Whether you're buying your first home or upgrading to a larger property, our mortgage specialists will help you find the perfect loan.

home

Fixed-Rate Mortgage

Lock in a predictable interest rate for the life of your loan. Available in 15-year and 30-year terms with competitive rates.

Rates starting at
6.125%APR*
Get Pre-Approved
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Adjustable-Rate Mortgage

Start with a lower initial rate that adjusts after 5, 7, or 10 years. Ideal if you plan to sell or refinance within the initial period.

5/1 ARM starting at
5.500%APR*
Get Pre-Approved
CALCULATOR

Estimate Your
Monthly Payment

Use our calculator to get an estimate of your monthly mortgage payment based on loan amount, interest rate, and term.

$100K $500,000 $2M
$100,000
Estimated Monthly Payment
$2,432
*Estimate only. Actual rates may vary.
Principal & Interest $2,432
Property Tax (est.) $417
Home Insurance (est.) $167
Total Estimated Payment $3,016
Get Pre-Approved Now
REFINANCING

Refinancing
Solutions

Lower your monthly payments, shorten your loan term, or tap into your home equity with our refinancing options.

Cash-Out Refinance

Cash-Out Refinance

Leverage your home equity for major expenses like renovations, education, or debt consolidation at competitive rates.

Rate-and-Term Refinance

Rate-and-Term Refinance

Switch from an ARM to a fixed rate or shorten your term to save on interest over the life of your loan.

savings

No-Closing-Cost Refinance

Refinance without paying upfront closing costs. Costs are rolled into your loan balance or offset with a slightly higher rate.

MORE OPTIONS

Auto Loans &
Personal Loans

Finance your vehicle or personal goals with flexible loan options and competitive rates.

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Auto Loans

5.49%APR*

New and used vehicle financing with terms up to 72 months. Pre-approval available in minutes with no impact to your credit score.

  • check_circle Loans from $5,000 to $100,000
  • check_circle Terms from 36 to 72 months
  • check_circle No application fee
Apply for Auto Loan
Personal Loans
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Personal Loans

8.99%APR*

Flexible personal loans for debt consolidation, home improvement, medical expenses, or any major purchase.

  • check_circle Borrow $2,000 to $50,000
  • check_circle Fixed monthly payments
  • check_circle Funds deposited in 1-2 business days
Apply for Personal Loan
HOME EQUITY

Home Equity
Lines of Credit

Turn your home equity into a flexible line of credit. Draw funds as needed and only pay interest on what you use.

Up to $500K

Credit line available based on your home equity and creditworthiness.

7.75% APR*

Competitive variable rate, 10-year draw period with 20-year repayment.

Tax Benefits

Interest may be tax-deductible. Consult your tax advisor for details.

CURRENT RATES

Loan Interest
Rates

We offer competitive rates across all loan products. Rates shown are approximate and subject to credit approval.

Loan Product Term Starting APR* Min. Credit Score
30-Year Fixed Mortgage 30 years 6.125% 620
15-Year Fixed Mortgage 15 years 5.625% 620
5/1 ARM 30 years 5.500% 640
Auto Loan (New) 36-72 months 5.49% 660
Auto Loan (Used) 36-60 months 6.24% 660
Personal Loan 12-60 months 8.99% 680
HELOC 10-yr draw / 20-yr repay 7.75% 700

*APR = Annual Percentage Rate. Rates effective as of January 15, 2025 and subject to change without notice. Actual rates depend on creditworthiness, loan amount, and term.

APPLICATION PROCESS

Simple Steps to
Your Loan

Our streamlined process makes it easy to apply for and receive your loan.

1
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Apply Online

Complete our simple online application in just a few minutes.

2
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Upload Documents

Securely upload your income verification and other required documents.

3
approval

Get Approved

Receive your decision quickly, often within 24-48 hours.

4
account_balance

Receive Funds

Get your funds deposited directly into your account.

FAQs

Frequently Asked
Questions

For conventional mortgages, we typically require a minimum credit score of 620. FHA loans may be available with scores as low as 580. Our loan specialists can help determine the best options for your situation.

Down payment requirements vary by loan type. Conventional loans typically require 3-20% down. FHA loans may require as little as 3.5%. VA and USDA loans may offer 0% down payment options for eligible borrowers.

Our digital mortgage approval process typically takes 24-48 hours for initial approval. Full closing usually occurs within 30-45 days, depending on the complexity of your transaction and third-party requirements.

Yes! Refinancing allows you to replace your existing mortgage with a new one. This can help you secure a lower interest rate, change your loan term, or access your home equity through a cash-out refinance.

You'll typically need: government-issued ID, proof of income (pay stubs, tax returns), bank statements, employment verification, and information about the property you're purchasing. Our team will provide a complete checklist during your application.

Ready to Make Your
Financial Move?

Get pre-approved in minutes. Our loan specialists are here to guide you every step of the way.

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