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Best Rate Home Loans for Purchase

Home Loans for Purchase

Parents giving kids piggyback rides chase each other around the house.

Home Loans for Purchase

Make your move with a local lender.

Whether buying your first home or your dream home, we’ll guide you through the lending process and find a solution with a competitive rate that’s right for you.

Fixed Rate Home Loans

With a fixed rate, you have the advantage and security of knowing your rate and your monthly payment will not change for the term of your loan. Features include:

  • 15 and 30-year terms1
  • Low or no points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value2

Adjustable Rate Home Loans

Compared to a fixed rate loan, these loans have lower initial interest rates, which mean lower monthly payments. Even after the initial rate hold period, rates cannot adjust more than 1% annually or 5% over the life of your loan. They also feature:

  • Various rate hold options are available. Contact a Mortgage Loan Officer near you for more information.
  • Rate adjusts annually after the initial rate hold
  • Rate caps to provide added security
  • Low or no-points options
  • Pre-qualification with no obligation
  • Financing up to 97% loan to value2

Rate Index: One Year Constant Maturity Treasury – 1% Annual Rate Cap / 5% Lifetime Rate Cap

Current Rates

Click any rate or APR to see a payment example.

Additional products and/or rate options may be available. Contact a Mortgage Loan Officer near you for more information.

APR = Annual Percentage Rate. Rates are subject to change without notice. Loan terms based on credit history and other underwriting criteria and subject to credit approval. Loan terms and conditions subject to change without notice.
1. Click any rate or APR to see a payment example. Refer to our Payment Calculator to estimate additional payment examples.
2. Loan terms based on credit history, and are subject to credit approval. Some restrictions apply.
*APR = Annual Percentage Rate
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download our free ebook: The Home Buying Journey

Check out our free, informative eBook:

The Home Buying Journey Explained

Everything you need to know for purchasing your Central Coast dream home.

Ready for the next step?

Review our handy documentation checklist and application how-to. Or, get started with a pre-approval or free consultation using the forms below.

Need more info?

Let's chat.

Request a complimentary consultation with one of our Mortgage Loan Officers. Whether you want to purchase a home, refinance your mortgage or just check out your options, we're here to here to help you make informed decisions.  Simply fill out our form and we'll contact you shortly.

Home Loans

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Home Buying

From the News+ Blog

Mortgage Points: What You Need to Know

Mortgage Points: What You Need to Know

What are mortgage points and are they right for you? Mortgage points are basically discount points. When you’re getting your home loan, you can buy mortgage points to lower your rate and save you interest in the long run.

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