Resources and Disclosures

All loans are subject to credit approval. This is not a commitment or agreement to lend. Get an official Loan Estimate before choosing a loan. Product offerings are accurate as of 4/25/2024 and are subject to change without notice. For all products listed, various repayment structures are available, and the illustration below only shows one option that is currently available.

Fixed Rate

One example of how repayment may occur on a fixed rate mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.69% repaid over 360 equal monthly payments principal and interest payments of $7.10 per $1,000 borrowed. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product. A higher down payment could be required based on your specific qualifications.  Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.

Adjustable Rate

One example of how repayment may occur on an adjustable-rate mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.489% repaid over 120 equal monthly payments principal and interest payments of $6.96 per $1,000 borrowed. After the first 120 payments, your interest rate and payments may adjust. In this example, the payments could go as high as $9.75 per $1000.00 borrowed by year 13. The annual percentage rate is subject to increase after consummation commensurate with the potential increase in interest rate. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product.  A higher down payment could be required based on your specific qualifications. Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.

Lot Mortgage

One example of how repayment may occur on a lot mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 8.535% repaid over 180 equal monthly payments principal and interest payments of $9.85 per $1,000 borrowed. A minimum of 25% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product. The actual rates and charges may vary, and your actual payment and costs could be higher than shown above. Property taxes are required to be paid and are not included in these estimates.

Construction to Perm Residential Mortgage

One example of how repayment may occur on a Construction to Perm residential mortgage follows: Based on a hypothetical loan amount of $600,000 and one set of variables for the specific product advertised, the Annual Percentage Rate (APR) as of 4/25/2024 is 7.987% repaid over 12 monthly interest-only payments of $3.28 per $1,000 borrowed. After the 12 interest-only payments, your payments will adjust. In this example, the payments could go as high as $7.25 per $1000.00 borrowed. A minimum of 10.1% cash or equity is required, and minimum credit history qualifications, as well as income qualifications, exist for this product.  A higher down payment could be required based on your specific qualifications. Additionally, the actual rates and charges may vary; and your actual payment and costs could be higher than shown above. Property taxes and insurance are required and are not included in these estimates.