Products
Mortgage Products
Click on the products below to see today’s rate for each as well explore the features of each to help you make an informed decision.
What is a Fixed Rate Mortgage?
The interest rate stays the same during the entire
term of the loan. Fixed rate mortgages are available in 15, 20, and
30-year terms.
Benefits of Fixed Rate Mortgages:
- Fixed monthly payments for the life of the loan.
- Removes worries about future interest rates.
- A shorter loan term locks in a lower interest rate over the life of the loan.
Fixed Rate Mortgage is ideal for people who…
- Want long-term, fixed monthly payments.
- Plan to stay in their home for many years.
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30 Year Fixed
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| Rate | Points | APR |
| Rate 4.5% | Points 0 | Points 4.5% |
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20 Year Fixed
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| Rate | Points | APR |
| Rate 4.25% | Points 0 | Points 4.25% |
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15 Year Fixed
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| Rate | Points | APR |
| Rate 3.99% | Points 0 | Points 3.99% |
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Disclaimer
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Our rates are accurate as of April 7, 2018 12:29:00 PM and can change daily. The rates posted assume the purpose of the loan is to purchase a single-family property used as a primary residence, with a loan amount of $300,000 and an estimated property value of $400,000 based on a 45-day rate lock period. The posted rates assume a 740 credit score. As with all EasiLoans' rates, there are no origination or application fees, only third party fees will be assessed. These rates are not guaranteed and are subject to change without notice. Your rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, down payment, etc. Rates also may vary based on the state or region in which the financed property is located. IMPORTANT: There may be cases where we are quoting a rate that may not reflect a lender credit due to the borrower at closing. Your Personal Assistant can clarify the parameters of lender credits and under what conditions they may be available at various rates. |
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What is an Adjustable Rate Mortgage?
An Adjustable Rate Mortgage (ARM) is a mortgage loan that has a fixed
interest rate for a period of time followed by rate adjustments at
specific intervals. There are many types of adjustable rate mortgages.
You can choose a standard ARM or a fixed period ARM. The standard ARM
rate changes every 12 months, and the fixed rate ARM remains in place
for 3, 5, 7, or 10 years.
The interest rate may increase or decrease, depending on loan terms. Typically, an interest rate change is based on an Index Value and a Margin. The new interest rate is calculated by adding the Index Value in effect, at the time of the rate adjustment, to the Margin.
The maximum amount the interest rate can change during any adjustment period (or during the life of the loan) usually is limited by an "Interest Rate Cap".
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10/1 ARM
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| Rate | Points | APR |
| Rate 4.375% | Points 0 | Points 4.375% |
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7/1 ARM
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| Rate | Points | APR |
| Rate 4.375% | Points 0 | Points 4.375% |
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5/1 ARM
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| Rate | Points | APR |
| Rate 4.375% | Points 0 | Points 4.375% |
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Disclaimer
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Our rates are accurate as of April 7, 2018 12:29:00 PM and can change daily. The rates posted assume the purpose of the loan is to purchase a single-family property used as a primary residence, with a loan amount of $300,000 and an estimated property value of $400,000 based on a 45-day rate lock period. The posted rates assume a 740 credit score. As with all EasiLoans' rates, there are no origination or application fees, only third party fees will be assessed. These rates are not guaranteed and are subject to change without notice. Your rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, down payment, etc. Rates also may vary based on the state or region in which the financed property is located. IMPORTANT: There may be cases where we are quoting a rate that may not reflect a lender credit due to the borrower at closing. Your Personal Assistant can clarify the parameters of lender credits and under what conditions they may be available at various rates. |
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What is an FHA Loan?
An FHA loan is a loan insured by the Federal
Housing Administration (FHA).
Benefits of FHA Loans:
- Opportunity for a lower down payment requirement – as low as 3.5%.
- Available in either fixed or adjustable rates.
- Less restrictive lending guidelines than conventional loans.
- The seller or other third parties (e.g. real estate agents, builders, etc.) can contribute up to six percent of the sales price toward closing costs and other fees.
An FHA mortgage is ideal for people who…
- Are first-time homebuyers who want to roll closing costs and other fees into their mortgage.
- Cannot afford a large down payment.
- May have difficulty meeting lending guidelines for conventional loans.
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FHA 30 Year Fixed
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| Rate | Points | APR |
| Rate 4.125% | Points 0 | Points 4.125% |
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FHA 15 Year Fixed
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| Rate | Points | APR |
| Rate 3.75% | Points 0 | Points 3.75% |
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Disclaimer
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Our rates are accurate as of April 7, 2018 12:29:00 PM and can change daily. The rates posted assume the purpose of the loan is to purchase a single-family property used as a primary residence, with a loan amount of $300,000 and an estimated property value of $400,000 based on a 45-day rate lock period. The posted rates assume a 740 credit score. As with all EasiLoans' rates, there are no origination or application fees, only third party fees will be assessed. These rates are not guaranteed and are subject to change without notice. Your rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, down payment, etc. FHA loans require both an upfront and an annual mortgage insurance premium. The annual fee is paid monthly. The premium varies based on the individual loan characteristics. Rates also may vary based on the state or region in which the financed property is located. IMPORTANT: There may be cases where we are quoting a rate that may not reflect a lender credit due to the borrower at closing. Your Personal Assistant can clarify the parameters of lender credits and under what conditions they may be available at various rates. |
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What is a VA Loan?
A VA Loan is a mortgage loan option for U.S.
Service Members, Veterans, and eligible surviving spouses. VA loans are
issued by qualified lenders and guaranteed by the U.S. Department of
Veterans Affairs (VA).
Benefits of VA Loans:
- Little to no down payment.
- No Private Mortgage Insurance Required.
- Flexible approval guidelines.
A VA mortgage is ideal for:
- Qualifying Service Members, Veterans, and eligible surviving spouses.
- People who want to make little to no down payment.
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VA 30 Year Fixed
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| Rate | Points | APR |
| Rate 4.25% | Points 0 | Points 4.25% |
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VA 15 Year Fixed
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| Rate | Points | APR |
| Rate 3.875% | Points 0 | Points 3.875% |
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Disclaimer
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Our rates are accurate as of April 7, 2018 12:29:00 PM and can change daily. The rates posted assume the purpose of the loan is to purchase a single-family property used as a primary residence, with a loan amount of $300,000 and an estimated property value of $400,000 based on a 45-day rate lock period. The posted rates assume a 740 credit score. As with all EasiLoans' rates, there are no origination or application fees, only third party fees will be assessed. These rates are not guaranteed and are subject to change without notice. Your rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, down payment, etc. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. Rates also may vary based on the state or region in which the financed property is located. IMPORTANT: There may be cases where we are quoting a rate that may not reflect a lender credit due to the borrower at closing. Your Personal Assistant can clarify the parameters of lender credits and under what conditions they may be available at various rates. |
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What is a Jumbo Loan?
A Jumbo Loan is one that exceeds $417,000 in most
markets – the limit is higher in certain markets – check with us to see
the limit in your area.
Benefits of a Jumbo Loan:
- Helps borrowers finance a more expensive home without depleting their savings.
- Allows borrowers to take out a larger first mortgage than conventional loans.
A Jumbo Loan is ideal for people who…
- Are comfortable with a higher interest rate that may be associated with Jumbo Loans.
- Have very good to excellent credit.
- Can afford 10% or more for a down payment.
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Jumbo 30 Year Fixed
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| Rate | Points | APR |
| Rate 4.75% | Points 0 | Points 4.75% |
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Jumbo 15 Year Fixed
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| Rate is unavailable now | ||
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Disclaimer
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Our rates are accurate as of April 7, 2018 12:29:00 PM and can change daily. The rates posted assume the purpose of the loan is to purchase a single-family property used as a primary residence, with a loan amount of $650,000 and an estimated property value of $950,000 based on a 45-day rate lock period. The posted rates assume a 740 credit score. As with all EasiLoans' rates, there are no origination or application fees, only third party fees will be assessed. These rates are not guaranteed and are subject to change without notice. Your rate will depend on various factors including loan product, credit profile, property value, occupancy, loan size, down payment, etc. Rates also may vary based on the state or region in which the financed property is located. IMPORTANT: There may be cases where we are quoting a rate that may not reflect a lender credit due to the borrower at closing. Your Personal Assistant can clarify the parameters of lender credits and under what conditions they may be available at various rates. |
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What is a Reverse Mortgage?
A Reverse Mortgage is a special type of loan for homeowners ages 62 and
older that allows them to convert part of their home’s equity into cash.
The loan requires no monthly mortgage payments. With a reverse mortgage,
the lender makes the payments to the borrower either with a lump sum,
monthly payments, or a line of credit. The borrower is not required to pay
back the loan until he or she dies, or the owner sells the home. All
property taxes, insurance, and HOA fees must remain current.
Benefits of a Reverse Mortgage:
- No income required, no credit required, and no monthly payments.
- Money can be used for any purpose, such as, medical bills, personal expenses, home repairs, paying down debt, etc.
- As your age increases or your homes’ equity rises – the amount that can be borrowed increases.
A Reverse Mortgage is ideal for people who…
- Own their home outright or have low mortgage balances.
- Plan to live in their current home for a long time.
- Want to use the equity of home to obtain financial goals.