Mortgages

Unlock the door to your dream home
Inquire Today
Home Loans

Your perfect home awaits!

Whether you're taking the exciting leap into your first home or upgrading to a bigger and better abode, we'll help make your dreams a reality. Our friendly mortgage experts will guide you through the process, helping you secure the best rates possible. Leave the paperwork and complexities to us while you turn your new house into a cozy home.

Get Started
house key with a red house keychain
This is some text inside of a div block.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse varius enim in eros elementum tristique. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Aenean faucibus nibh et justo cursus id rutrum lorem imperdiet. Nunc ut sem vitae risus tristique posuere.

30 year amortization
Balloon due in 15 years
Loans range from $50k to $1.5M!
Loan-to-Value (LTV) ratio: 75%
FICO of 650 required
No prepayment penalties!
Traditional Home Loans

Explore a wide array of our home loans! If you need customized home financing for a unique property or are buying your first home, we've got the options you need to get your dream home.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Fixed Rate Conventional Loan
  • Adjustable Rate Conventional Loan
  • Federal Housing Administration (FHA) Loan
  • Veteran Affairs (VA) Loan
  • U.S. Department of Agriculture (USDA) Loan
Manufactured Home Loans

This is an affordable housing option for detached, single level, spacious homes. With units detached from neighbors in parks that offer community living with additional amenities like rec rooms and pools, what's not to love?

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • 20% downpayment
  • 7.25% Contract Interest Rate
  • 20 or 15 year terms depending on age of the unit. (exceptions for units build before 1976)
  • Credit score of 620 required
  • Owner-occupied only
  • 50% debt to income ratio (Space rent included)
  • Single and double wide units
Lot Loans

Our lot loans are designed to help you finance your dream lot.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • 30 year amortization
  • Balloon due in 15 years
  • Loans range from $50,000 to $1.5 million
  • Loan-to-value ratio of 75%
  • FICO of 650 required
  • No prepayment penalties
Traditional Home Loans

Explore a wide array of our home loans! If you need customized home financing for a unique property or are buying your first home, we've got the options you need to get your dream home.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • Fixed Rate Conventional Loan
  • Adjustable Rate Conventional Loan
  • Federal Housing Administration (FHA) Loan
  • Veteran Affairs (VA) Loan
  • U.S. Department of Agriculture (USDA) Loan
Manufactured Home Loans

This is an affordable housing option for detached, single level, spacious homes. With units detached from neighbors in parks that offer community living with additional amenities like rec rooms and pools, what's not to love?

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • 20% downpayment
  • 7.25% Contract Interest Rate
  • 20 or 15 year terms depending on age of the unit. (exceptions for units build before 1976)
  • Credit score of 620 required
  • Owner-occupied only
  • 50% debt to income ratio (Space rent included)
  • Single and double wide units
Lot Loans

Our lot loans are designed to help you finance your dream lot.

Annual Percentage Rate (APR)
14.74% to 18.99%
APR for Balance Transfers
14.74% to 18.99%
APR for Cash Advances
14.74% to 18.99%

Details
  • 30 year amortization
  • Balloon due in 15 years
  • Loans range from $50,000 to $1.5 million
  • Loan-to-value ratio of 75%
  • FICO of 650 required
  • No prepayment penalties

Home Equity Loans Rates

Loan Type
Loan amounts
Max 70% CLTVRate (*APR)
Max 80% CLTVRate (*APR)
Terms
5-Year Fixed
$15,000-$500,000
7.75% (*8.73%)
8.75% (*9.74%)
Payments amortized over 60 months
10-Year Fixed
$15,000-$500,000
8.00% (*8.55%)
9.00% (*9.55%)
Payments amortized over 120 months
15-Year Fixed
$15,000-$500,000
8.25% (*8.65%)
9.25% (*9.66%)
Payments amortized over 180 months
20-Year Fixed
$15,000-$500,000
8.50% (*8.83%)
9.50% (*9.84%)
Payments amortized over 240 months
Rates shown above assume owner-occupied, Automated Valuation Model (AVM) available and flag title policy obtained; add 0.75% for non-owner-occupied properties

Home Equity Lines of Credit Rates

Loan Type
Loan amounts
Rate
Adjustable
$15,000-$500,000

9.00% (*9.41%)

-Owner Occupied-

9.75%(*10.17%)

-Investment Property-

Fixed
$15,000-$500,000

9.74%

(*9.88%)

-Owner Occupied-

10.49%

(*10.65%)

-Investment Property-

Interest only (owner occupied only)
up to $100,000

9.74%

(*10.12%)

-Owner Occupied-

WSJ Prime as of July 27, 2023 8.50%

Rates effective February 1, 2024

Purchase Rates

Conforming Rates

Loan Product
Interest Rate
APR
Points
15 Year Fixed
6.250%
6.343%
.109%
30 Year Fixed
6.875%
6.968%
.475%

Rates are effective 2/20/2024 and are subject to change without notice. 

The rates provided assume the purpose of this loan is to purchase a property, loan amount of $480,000 and a purchase price of$600,000.  The property is a single-family detached dwelling (non-manufactured home), one unit and located in California.  The property will be used as your primary residence.  The rate lock period is 30 days and the assumed credit score is 740 or greater.  There will be no subordinate financing and your debt to income will not exceed 40%.  The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees.  All loans are subject to approval and rates, terms and conditions are subject to change.

Estimate Your Payments

Want to find out whether you should rent or own? Figuring out how much you can afford or borrow? Determining what your monthly payment will be? Put the pen and pencil down, we've got you covered!

Ready to take the next step?

Reach out to our loan experts to take the first step towards your dream home

Articles

*Adjustable loan rate APR of 8.39% –– calculated at $50,000 and assuming primary residence, 10-year “draw” period, and maximum 15-year life of loan (total of 25 years). Lower APR if paid off sooner. $995 processing fee, county-specific recording fee, and appraisal report (if applicable) for loans to $250K; plus appraisal fee (if applicable) for loans above $250K.