• Purchase rates as low as

    -- Month 1-60 -- Month 61-360 -- APR
    5/1 Adjustable-Rate Mortgage. Assumes FICO score of 720 and -- Discount Point. Read Disclosures

    5/1 Adjustable-Rate Mortgage

    • Jumbo loan amounts up to $2 million with 20% down
    • Interest-Only options available
    • Dedicated service to help meet your closing needs

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  • Dream Big – our home loans can handle it.

    Providing a home financing experience like no other.

  • Buy a Home with Confidence

    When you buy a home, your purchase is our priority. Whether you're a first-time homebuyer or a seasoned real estate investor, we have both jumbo loans and conforming loans to meet your home buying needs.

    With your unique financial situation in mind, we offer a wide selection of loan products. Our custom home loans include low down-payment options to help you increase your purchasing power as well as a variety of products including fixed rate and adjustable-rate mortgages with an initial fixed-rate period offering either fully amortizing or interest only payment options. For special situations, we also have bridge loans, cross-collateralization options and underwriting based on asset dissipation.

    Our team will help you apply for a mortgage to purchase or refinance your dream home using one of our customized jumbo or conforming loans, which offer competitive rates and low down-payment options.

  • Competitive Mortgage Rates

    Our competitive mortgage rates and wide selection of conforming and jumbo loans can help you finance the home of your dreams.

    Product Interest Rate APR Points
    -- -- -- --
    -- -- -- --
    -- -- -- --
    -- -- -- --

    Advertised interest rates and APR assumes excellent credit score.
    As of --. Read Disclosures.

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    Automatic Monthly Mortgage Payments

    Using an existing OWB or CIT account
    Save even more and combine with one other mortgage rate pricing discount:
    New Banking Relationshipwith 10% of Loan Amount in New Deposits
    0.100% off
    25% of Loan Amountin New Deposits
    0.200% off
    $500K+ Banking Relationshipwith $500,000+ in Deposits
    0.200% off

  • 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

    Purchase your dream home with a jumbo loan up to $5 million. Benefits include customized home loan decision making. Loan Products include fixed-rate and adjustable-rate mortgages (ARMs) with an initial fixed-rate period offering either amortizing or interest only payment options.

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    Adjustable-Rate Mortgage

    Purchase your new home with a competitive introductory rate on an adjustable-rate mortgage (ARM) with an initial fixed-rate period. Benefits include competitive rates and low payments for an initial fixed-rate period. Initial interest-only payment options are available for jumbo loans.

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    Fixed Rate

    Secure a competitive fixed-rate mortgage on your new home. Available on conforming and jumbo loan balances. Benefits include competitive rates, predictable monthly payments and protection from interest rate fluctuations. There are a wide selection of repayment terms available including 30, 25, 20, 15 and 10 year options.

    Learn More