Should you buy or should you rent? Only you can answer that question, but our Rent vs Buy Calculator will help you make this important financial decision.
It is a difficult decision to decide between a fixed and an adjustable-rate mortgage. This calculator will help you determine which home loan option is better.
Our goal is to help make the home loan process as clear and informative as possible. A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.
Our goal is to help make the home loan process as clear and informative as possible. A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.
Loan amounts to $510,400 for single family residence
Fixed-rate: 10, 15, 20, 25 and 30 year terms available
Adjustable-rate: 3/1, 5/1, 7/1 and 10/1 terms available
Down payment as low as 3% available
Lender paid Mortgage Insurance available
Primary residence, second homes and investment properties
High Balance Fixed & ARMs
For homes in higher-cost areas
Loan amounts above $510,400 up to $765,600
Fixed-rate: 10, 15, and 30 year terms available
Adjustable-rate: 3/1, 5/1, 7/1 and 10/1 terms available
Down payment as low as 5% available
Lender paid Mortgage Insurance available
Primary residence, second homes and investment properties
Expended High Balance Fixed & ARMs
Loan amounts up to $765,600 with no county loan limits
Fixed-rate: 15, and 30 year terms available
Adjustable-rate: 5/1, 7/1 and 10/1 terms available
Down payment as low as 10% available
No Mortgage Insurance available
Primary residence and second homes
FHA Fixed & ARMs
For homes in median to low-cost areas
Loan limits apply for a single family residence
Fixed-rate: 15 and 30 year terms available
Adjustable-rate: 5/1 term available
Down payment as low as 3.5% available
Less than perfect credit is allowed
Primary residences only
FHA High Balance Fixed
For homes in higher-cost areas
Loan limits apply for a single family residence
Fixed-rate: 15 and 30 year terms available
Adjustable-rate: 5/1 term available
Down payment as low as 3.5% available
Less than perfect credit is allowed
Primary residence
Jumbo Fixed & ARMs
Loan amounts up to $3 million
Fixed-rate: 15 and 30 year terms available
Adjustable-rate: 5/1, 7/1 and 10/1 terms available
Interest Only: 5/1, 7/1 and 10/1 LIBOR ARM's
Down payment as low as 10% available
No mortgage insurance required
Minimum credit scores can be as low as 680
Primary residence, second homes and investment properties
First-time homebuyers permitted
Extened Jumbo Fixed & ARMs
Loan amounts up to $2 million
Fixed-rate: 15 and 30 year terms available
Adjustable-rate: 5/1, 7/1 and 10/1 terms available
10% down payment required
No mortgage insurance required
Minimum credit score of 661 required
Primary residence, second homes and investment properties
NO TAX RETURNS
SALARY BORROWER(S)
We will only use Written Verification of Employment form executed by the employer for qualifying purpose to make an estimate of your ability to pay.
SELF-EMPLOYED BORROWER(S)
We will only use the year-to-date profit & loss statement for qualifying purposes to make an estimate of your ability to pay.
Loan amounts up to $3MM
30 year Fixed & 7/1 ARM available
Down payment as low as 20% available
Credit scores as low as 640
Primary residence, second homes and investment properties
First‐Time Home Buyers are allowed
CREDIT ISSUE
One day after a bankruptcy, foreclosure, or short sale.
Loan amounts from $100,000 to $1 million
30 year fixed & 5/1 ARM available
Down payment as low as 15% available
Minimum credit scores can be as low as 580
SFR, PUD, Condo & 2-4 Units
Primary residence and second homes
Piggyback HELOC
Down payment as low as 10.01% available
Purchase and refinance options available
10-year draw period, 20-year repayment period
Variable interest rate based on the Wall Street Journal prime rate¹
Eliminate PMI with a Home Equity Line of Credit
Avoid jumbo financing, which typically has limited availability and higher rates
Resources
The happiest homebuyers are usually the most educated ones. Here are some tools and resources to help guide you through the entire home buying process.
A better understanding of the process can help ensure your loan closes on time. A step-by-step guide so you know what to expect from application to closing.a loan.
Please note when using the Mortgage Calculators that your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
