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Home Loans

30-Year Fixed Rate
Interest Rate
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Your Home Team

We're with you every step of the way

  • Decorative image of Dedicated Support

    Dedicated support.

    We provide you with a knowledgeable team of loan experts to help you through the home loan experience, from application to close.

  • Decorative image of Communication Options

    Communication options.

    You choose how you'd like to be contacted: by phone or email.

  • Decorative image of Frequent Updates

    Frequent updates.

    We check in with you regularly to answer any questions you may have along the way and ensure you meet your closing date.

  • Decorative image of Online Access

    Online access.

    Manage all your loan-related documents from any device. It's quick, convenient and secure.

Let's talk

Our loan experts can answer all your questions and guide you through next steps.

Take the Next Step

How it Works

Know what to expect ahead of time

Buying a home is a big investment. Before setting your sights on a home, you should
have an idea of how much you can spend.
See What You Can Afford

  • 1. Meet your Home Team and apply

    Meet your Home Team and apply

    We’ll connect you with a team of loan experts who will guide you through the process. This means you’ll have a loan advisor, loan coordinator and closing coordinator with you every step of the way. After you reach out, we’ll introduce you to a licensed loan advisor who will look at your information and let you know how much you may qualify for.

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    Our responsibilities

    • Help you understand your options
    • Start your application

    Your responsibilities

    • Be responsive to phone calls from us
    • Know your credit history, financial goals and what you're looking for
    • Select a property and make an offer

    It takes 5 minutes to get started. Take the Next Step

  • 2. Submit documents

    Submit documents

    Buying a home comes with a lot of documentation, so you and your loan coordinator will be in close contact during this time. There will be documents you'll need to submit, as well as documents you'll need to review and sign – but we've made this part a little easier by giving you the option to do this all online. What to Prepare

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    Our responsibilities

    • Provide status updates
    • Introduce you to the appraisal company and set up an appointment
    • Review your documents

    Your responsibilities

    • Upload, review and sign documents
    • Pay appraisal company

    This usually takes 1-2 weeks, but the faster you get your documents to us, the faster we can finalize approval.

  • 3. Underwriting

    Underwriting

    This is when we look at everything you sent us and make a final decision on your loan. Your loan coordinator will provide an update every few days so you'll always know where your loan stands.

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    Our responsibilities

    • Confirm documents and review appraisal
    • Finalize approval
    • Provide rate and loan term options

    Your responsibilities

    • Submit additional documents if needed
    • Lock in your rate if you haven't already

    It usually takes 2-3 weeks to make sure your documents are accurate and your application is complete.

  • 4. Closing day

    Closing day

    You'll meet with your real estate agent and closing agent to review and sign your closing documents. Depending on your state, you may also meet with your lawyer, the seller or the title company – but we'll let you know exactly who will be joining you as the day gets closer.

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    Our responsibilities

    • Prepare closing documents
    • Confirm your closing date and time
    • Coordinate with title office

    Your responsibilities

    • Review and sign your closing documents
    • Pay closing costs if necessary

    Expect to spend 1-2 hours at closing.

  • 5. After you close

    After you close

    We'll let you know within 15 days of closing who will be servicing your loan and where to make future payments. While you won't be paying us directly, the terms of your loan won't ever change and you can always reach out to us if you have any questions.

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Today's Rates

Get the home you want, on your terms

Fixed Rate Mortgage

Adjustable Rate Mortgage

Details

Crunch the Numbers

Estimate your home-buying budget with our affordability calculator.

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We're unable to show you our rate and payment options right now. Please check back later.

Our Annual Percentage Rates (APRs) are accurate as of NN/NN/NN and can change daily. This information reflects rates for borrowers with excellent credit in the state of California and a $300,000 conventional loan with 20% down for a single-family home in that state. The monthly payment amount we show doesn’t include taxes or insurance and assumes NNN monthly payments for a NN. View Jumbo Loan Options

30-Year
Monthly Payment Points Interest Rate APR

Crunch the Numbers

Estimate your home-buying budget with our affordability calculator.

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FAQs

We have answers

Still have questions? Visit our Help Center.