Home lending
Financing that closes on time, every time
Fixed, adjustable, FHA, VA and refinance options with a dedicated loan officer from pre-approval to keys in hand.
- Verified pre-approval in as little as 1 day
- On-time closing guarantee or $2,000 credit
- 0.25% rate discount for Premier customers
- Digital document upload and e-signing
Payment calculator
Estimated total monthly payment
$3,208.21
- Principal & interest
- $2,551.96
- Property taxes (est.)
- $503.13
- Homeowners insurance (est.)
- $153.13
- Total interest over 30 years
- $498,707.14
- Total of payments
- $918,707.14
Loan options
Four ways to finance a home
Fixed-rate
Same payment for 15, 20 or 30 years. Best when you plan to stay put.
6.125%
Adjustable (ARM)
Lower intro rate for 5, 7 or 10 years, then adjusts annually.
5.875%
FHA loan
Down payments from 3.5% with more flexible credit requirements.
5.990%
Refinance
Lower your rate, shorten your term or tap equity with cash-out.
6.000%
Today's rates
Purchase and refinance rate table
| Product | Interest rate | APR | Points | Monthly per $100k |
|---|---|---|---|---|
| 30-year fixed | 6.125% | 6.284% | 0.500 | $607 |
| 20-year fixed | 5.875% | 6.062% | 0.375 | $709 |
| 15-year fixed | 5.375% | 5.612% | 0.250 | $811 |
| 10/6 ARM | 6.000% | 6.198% | 0.500 | $599 |
| 7/6 ARM | 5.875% | 6.041% | 0.375 | $591 |
| FHA 30-year | 5.990% | 6.712% | 0.625 | $599 |
| Cash-out refinance | 6.375% | 6.529% | 0.500 | $624 |
Assumes a 760+ FICO score, 20% down, single-family primary residence and a $400,000 loan. Rates update daily.
The process
From pre-approval to closing in five steps
01
Get pre-approved
Upload income and asset documents digitally.
02
Shop with confidence
Sellers take verified pre-approvals seriously.
03
Lock your rate
Free 60-day lock with one free float-down.
04
Underwriting
A single point of contact keeps you updated daily.
05
Close
E-sign most documents before closing day.
Get pre-approved in about 10 minutes
No cost, no obligation and no hit to your credit score for the initial estimate.