Fixed-rate Mortgage

Short-term Fixed Mortgage

Own your home faster, and save more in the process!

Pay off your mortgage in 5, 7 or 10 years¹ without paying an arm and a leg. Our TermBuster loans feature lower fixed rates than other traditional fixed-rate mortgages. And, the interest may be tax deductible (consult your tax advisor). 

We give — and keep giving.

You can borrow anywhere from $25,000 to $417,000 at competitive interest rates. We’ll even waive the closing costs² if the loan remains open for 36 months.

Say “No” to hassles.

• No points, no balloon payment, no negative amortization
• In-home appraisal not required for loans up to $250,000
• Easy, online processing

Apply Now View  Home Loan Rates

APR=Annual Percentage Rate.

¹Payment example: A $100,000 loan on a single-family, owner-occupied loan up to 70% LTV with a 5 year term at 2.875% APR has a monthly payment of $1,791.32, a 7 year term at 2.990% APR has a monthly payment of $1,320.88 and a 10 year term at 3.375% APR has a monthly payment of $983.01.This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Loans over 80% LTV require mortgage insurance. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 04/01/2017 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

²Closing costs up to $2,500 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include title search, escrow, credit report, tax service and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner's title policy.

Freedom Home Loan

Say goodbye to points, fees and closing costs!

Who doesn’t want a more affordable mortgage? Refinance with our Freedom Loan and save thousands with no points, no fees and no closing costs!³ The interest may even be tax deductible (consult your tax advisor).

Easygoing from the start.

• 15- or 30-year¹ fixed-rate terms
• As little as 5% down on purchases²
• Competitive interest rates with no points and no closing costs³

No surprises along the way.

• No negative amortization
• No balloon payment
• No pre-payment penalty

Apply Now View Home Loan Rates

APR=Annual Percentage Rate.

¹Payment example: a $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 15 year term and a rate of 3.250% has an APR of 3.250% and a monthly payment of $1,756.67. A $250,000 loan on a single-family owner-occupied home up to 75% LTV with a 30 year term and a rate of 4.000% has an APR of 4.000% and a monthly payment of $1,193.54. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment.

²A $250,000 loan on a single-family owner-occupied home up to 95% LTV with a 30 year term and a rate of 4.125% has an APR of 4.412% and a monthly payment of $1,307.45 inclusive of mortgage insurance. Loans over 80% LTV require mortgage insurance. This payment example does not include property insurance and taxes, and the payment will be higher than this disclosed payment. Loans are available for second homes and investment properties in CA at different rates and terms. Rates and terms as of 01/12/2016 based on credit history, subject to credit approval, and subject to change without notice. Some restrictions apply.

³Closing costs paid by the lender include title search, escrow, credit report, tax service and similar non-recurring fees. You are responsible for property taxes, insurance, homeowner association dues and for purchases, down payment, transfer taxes, and owner's title policy.