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Fixed-Rate Mortgage Options

A fixed-rate mortgage has a fixed interest rate for the entire term of the loan. The benefit of having a fixed interest rate means that your interest rate and payment over time will not change, and you can count on the same payment and terms for however long you carry your loan.

Conventional Home Loans

Conventional home loans are fixed-rate mortgages that are not insured or guaranteed by the federal government. The benefit to having a conventional loan is that your rate and payments may be lower than other guaranteed mortgages.

This is an excellent product for buyers who have high down payments and top-tier credit scores.

  • Historically low rates
  • Fast processing
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Jumbo Home Loan

Jumbo loans* exceed the conforming loan limits of $417,000 for a single-family home. These loans have a down payment as low as 10% and are offered with an adjustable or fixed rate.
  • 5/1 ARM Jumbo
  • 5/1 ARM Jumbo - No mortgage insurance
  • 7/1 ARM Jumbo
  • 7/1 ARM Jumbo - No mortgage insurance
  • 15-year Fixed Jumbo
  • 30-year Fixed Jumbo
  • 30-year Fixed Jumbo - No mortgage insurance
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SAFE97 Home Loan

Whether you love your current home, or you're buying a new one, SAFE can help! Make the move more affordable with a low down payment:
  • Low, fixed rate
  • Flexible qualifying designed to help first-time buyers
  • A low down payment of only 3%
  • Funds for down payment can come from a wide range of sources
  • For single-family units, eligible condos, and planned unit developments
Apply now »
Terms and conditions subject to change. Income restrictions and additional conditions apply.

SAFE FHA Home Loans

A Federal Housing Administration (FHA) loan is backed by the strength of the federal government. This loan requires a lower down payment and is typically easier to qualify for than a conventional loan. FHA loans are excellent for first-time homebuyers. An FHA loan has lower upfront loan costs, less-stringent credit requirements, and a down payment as low as 3.5%.

Make the move sooner with a flexible FHA loan:

  • Friendly financing and the security of a low, fixed rate
  • A down payment as low as 3.5% to get you moving sooner
  • Monthly payments that may be less than your current lease
  • Common-sense local processing and underwriting
Apply now »
Terms and conditions subject to change. Income restrictions and additional conditions apply.

SAFE VA Home Loans

A SAFE VA Loan is a flexible lending solution designed to make homeownership more affordable for qualified U.S. service members, veterans, and eligible surviving spouses. And, with your VA Loan, you can get a home of your own for no money down!
  • Experienced local mortgage officers
  • Low rates and flexible financing
  • First-time homebuyer programs
Apply now »
Terms and conditions subject to change. Income restrictions and additional conditions apply.

Ten & Done Home Loan

Save decades of payments and thousands of dollars with a SAFE 10-year fixed-rate home loan!*

Purchase or refinance with a SAFE Ten & Done Home Loan, and enjoy the benefits:

  • Refinance your home at the lowest possible rate
  • Pay off your home in only ten years, and save decades of payments
  • Financing up to 95%
  • Save thousands of dollars in interest with a shorter term
  • Pay one low fixed rate for the short life of your loan
  • Make your final mortgage payment sooner and secure your home for retirement
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80-10-10

An 80-10-10 loan actually describes two loans that are opened simultaneously. The first mortgage loan is for 80% of the purchase price. The second loan is opened to cover an additional 10% of the price. This loan is a second mortgage. The remaining 10% is used as a down payment from your own funds.
  • Save money and avoid costly private mortgage insurance by combining a first mortgage with an equity loan
Apply now »
Terms and conditions subject to change. Income restrictions and additional conditions apply.
Apply now »
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