• Lower Your Monthly Mortgage Payment

    Competitive Mortgage Rates Make It Easier To Refinance and Save.

  • If the interest rate on your home loan is higher than today’s mortgage rates, it may be a great time to refinance.

    We can help you find a lower interest rate on your mortgage and reduce your monthly loan payments. Learn how you may be able to save thousands over the life of your new home loan.

    Refinance into a lower rate

    This is one of the most common reasons for a refinance. If your current interest rate is higher than what is currently available in the market, it is probably a good idea to see how much you could save by refinancing.

    Changing the term of your mortgage

    Restructuring your loan terms by refinancing with a longer repayment period or interest-only payment option (available only for jumbo loans) are additional ways to reduce your monthly payment. These options may not be for everyone, but switching from a 15-year, fixed-rate mortgage to a 30-year term, or to an interest-only payment for a predefined period of time can help lower your monthly mortgage payment.

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  • Important Disclosures

    It is important to know that with Adjustable-Rate Mortgages, your payment and rate may increase significantly over time.

    Not all applicants will qualify for financing. Mortgage rates and terms are subject to change without notice.

    Mortgages with LTVs higher than 80% with no PMI may generally have a higher interest rate and/or fees than other mortgages. This may result in a loan without mortgage insurance being more costly for a borrower who intends to remain in the property for a longer period of time. A borrower who intends to remain in the property for a shorter period of time may find that the extra interest cost is lower than the amount of PMI payments for that period of time.

    Mortgage escrow accounts are created so that you can pay your yearly property taxes, homeowner’s insurance and mortgage insurance in monthly installments throughout the year, rather than all at once. When these bills are due, we disburse the funds from your escrow account to pay the taxes and insurance in a lump sum. If there is a requirement for a mortgage escrow account at closing, it will be required to be maintained for five (5) years after closing.

    The rates displayed may require the establishment of an escrow account upon closing. If you choose to pay taxes and insurance separately, you will be responsible for timely payments, which may be substantial.

  • Home Loan Products

    Jumbo Loans

    Jumbo loans available up to $5 million. Benefits include customized home loans with local decision making. Products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed period. Initial interest-only payment options available on ARMs. Cash out and investment property financing available.

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    Adjustable-Rate Mortgage

    Secure an introductory rate through an adjustable mortgage with a fixed period. We offer initial interest-only payment options on jumbo ARM loans up to 80% loan-to-value. Benefits include competitive rates and a fixed payment for an initial fixed period. Products include Jumbo 5/1, 7/1 and 10/1 ARM

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    Fixed Rate

    Lock in a fixed-rate for the life of the loan. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. Available on jumbo and conforming loan amounts. Cash out options are available. Wide selection of repayment terms including 30, 25, 20, 15 and 10 year options.

    Learn More