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You’ll find a wide selection of mortgage loans that are nearly as diverse and unique as the customers who rely on them.
Gives you the peace of mind that comes with a consistent, stable interest rate.
The main value of a fixed-rate mortgage is its interest rate doesn’t change. If interest rates are low, and your credit score is optimal, a fixed rate mortgage could lock in the best rate possible for the duration of your mortgage.
This type of loan offers interest rates that fluctuate, or vary, with current market conditions throughout the loan’s lifetime.
An adjustable-rate mortgage can be your best avenue for optimal savings. It depends on the current interest rate, your home’s total cost and how you feel about a rate that will change.
If you don’t plan to stay in your home for a long time, you’ll want to consider an adjustable rate loan when rates will be lower in the beginning.
Looking to refinance your current home mortgage? Refinancing options are available.
When you refinance your home, you replace your current mortgage with a new, more favorable one. There are many reasons why refinancing your mortgage could be a good idea, like taking advantage of lower interest rates. You can also leverage your financial position if it’s greatly improved since you were approved for your initial mortgage.
If you have equity in your home, you may be able to take out a new mortgage for more than what you owe, so you can use the extra cash for other expenses. Refinancing could also eliminate your private mortgage insurance (PMI) payments.
Other reasons are to avoid a balloon payment or refinance an adjustable-rate mortgage to a fixed term.
Enables affordable housing opportunities for borrowers with low-to-moderate income.
*Area Median Income data source is Fannie Mae.
The Fannie Mae HomeReady® Loan program offers fixed-rate mortgage loans designed to make home ownership more accessible for more people. Created to meet the needs of borrowers with low-to-moderate income, HomeReady™ offers affordable financing with flexible terms.
Wide range of down payment and closing cost funding sources accepted including gifts, grants, cash-on-hand and Fannie Mae Community Seconds.
One easy loan that covers both your new home or refinance and funds for repairs.
By combining the funds you need for repairs with the funds you need for a purchase or refinance, this dual-purpose loan offers a more cost-effective way to renovate a home.
Having a single mortgage typically means lower closing costs and a lower interest rate.
Plus, you get the convenience of having the cash you need for repairs rolled right in. It’s never been simpler to finance and renovate at the same time.
A jumbo loan gives you special terms when you finance more than $766,550.
A jumbo loan lets you take out a larger amount than a traditional mortgage would allow. We’re proud to offer competitive rates to ensure you get the house of your dreams.
Buy your lot now and build later with the Lot Loan Program.
Our Lot Loan Program can help you purchase the land you want now, with the freedom to start building your dream home at a later date. Use this fixed-rate loan to buy up to 5 acres of land without the financial burden of simultaneously paying for construction costs.
Save on mortgage costs by only paying the interest until your construction period is complete.
If you’re looking to build your new home, our Construction to Permanent Loans help you save on mortgage costs. While your home is in construction, you pay only the interest on your mortgage until your construction period is complete.
Then your mortgage converts to a fixed or adjustable rate loan. It’s never been easier to finance a home from building it to living in it.
Download our step-by-step guide on the homebuying process. From making an offer to closing, this guide gives you the information you need to feel comfortable throughout the process.
Get financial insights, facts and homebuying advice.
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