Purchase Loans

Adjustable-Rate Mortgages

Take advantage of lower initial interest rates with our exclusive Adjustable-Rate Mortgage option.

Purchase Loans

Asset Advantage

Use your assets to help qualify for a home loan.

Purchase Loans

Barndominiums

Financing a barndominium is easier than you think with Mortgage Center.

Purchase Loans

Best Score Family Helper Loan

Leverage a family member’s strong credit to help you qualify for better loan terms.

Purchase Loans

Conventional Mortgage Options

A flexible home loan with great rates and terms. Very popular for homebuyers.

Purchase Loans

Doctor Loan

Tailored mortgage program for doctors and medical professionals with flexible terms.

Purchase Loans

Fannie & Freddie Mac Fixed-Rate

Competitive fixed rates backed by Fannie Mae or Freddie Mac — predictable payments for the life of the loan.

Purchase Loans

FHA

Government-backed home loan with flexible credit guidelines and low down payment.

Purchase Loans

Hobby Farm Loan

Mortgage financing for homes with small-scale farming or hobby farm use.

Purchase Loans

Homeready® & Home Possible®

Lower down payments and PMI costs, with more flexibility to fund the purchase of your dream home.

Purchase Loans

Home Renovation Loan

Purchase and renovate your home with one convenient mortgage solution.

Purchase Loans

Jumbo Mortgage

Financing for high-value homes with flexible terms and competitive jumbo mortgage rates.

Purchase Loans

New Start Loan

Second-chance mortgage program for buyers rebuilding their financial future.

Purchase Loans

Non-Warrantable Condo

Mortgage solutions for condos that expand upon traditional lending guidelines.

Purchase Loans

One-Time Close Construction

Finance your build and permanent mortgage with one simple, streamlined construction loan.

Purchase Loans

PMI Saver Loan

Lower or eliminate private mortgage insurance (PMI) costs for greater monthly savings.

Purchase Loans

Right Choice Loan

Low down payment financing for experienced buyers.

Purchase Loans

Veteran Loan

An exclusive VA home loan option for veterans, active-duty service members and eligible military families.

Purchase Loans

Zero Down Payment

Purchase with no down payment and make homeownership more accessible. Perfect for First-time homebuyers.

Refinance Loans

FHA

Simplify your refinance with reduced paperwork.

Refinance Loans

Hobby Farm Loan

Refinance your hobby farm property with flexible loan options designed for unique homes with agricultural use.

Refinance Loans

Max Cash-Out Refinance

Get the most from your home’s equity with a maximum cash-out refinance. Use funds for home improvements, debt consolidation, or major life expenses.

Refinance Loans

Non-Warrantable Condo

Refinance your non-warrantable condo with flexible mortgage options that work for properties outside traditional lending guidelines.

Refinance Loans

One-Time Close Construction

This option can fund construction costs when you already own the land. This option can also pay off an existing land loan, if applicable.

Refinance Loans

PMI Saver Loan

Lower or eliminate PMI costs with our PMI Saver refinance option.

Refinance Loans

Right Choice Loan

Ideal for borrowers who would like expanded qualifying options.

Refinance Loans

Veteran Loan

Saves you money if you’re active military or a veteran by allowing you to put no money down and avoid the cost of mortgage insurance.

Home Equity Loans

Home equity loans are a great way to gain some extra cash for home improvements, debt consolidation, or other big purchases you’re looking to make. Like any loan, it’s important to understand how a home equity loan works before getting one.

Category:

Refinancing

Home Buying
Posted on September 24, 2024

Mortgage Rate Lock vs Floating: Deciding When To Set Your Interest Rate

Picture this: You’ve found the house, the one with the perfect backyard for your future golden retriever and a kitchen that would make Gordon Ramsay weep tears of joy. Time to get pre-approved for a mortgage! Fairly early in the application process, you’ll find you have a choice to make: Whether to float your mortgage rate, or […]
By Kyle Lyons
Home Buying
Posted on August 27, 2024

Why Lower Interest Rates Don’t Always Equal Lower Housing Prices

Let’s start with the good news: Interest rates are already starting to come down a bit, and we’re seeing signals that rates will be coming down even further this year. We’ve previously discussed what factors can affect the interest rate you’ll pay for your home, and while nothing is set in stone, our friends at the […]
By Kyle Lyons
Home Equity
Posted on August 7, 2024

Tapping Your Home’s Equity With a Cash-Out Refinance: A Strategic Financial Tool for Homeowners

With mortgage interest rates still hovering well above the 3% range we were seeing just a few years ago, homeowners might not have refinancing their mortgage at the top of their mind. For those who are carrying a bit more high interest unsecured debt than they’d like to, however, a cash-out refinance might still be […]
By Kyle Lyons
Home Buying
Posted on April 9, 2024

4 Reasons Credit Unions Are Better Than Banks

There’s a lot to love about credit unions! As a CUSO, or Credit Union Service Organization, we’re owned by credit unions and we’ll admit our opinion is a tiny bit biased. We really think the facts back up this opinion, though! Check out this list of 4 great benefits that credit unions offer over a […]
By Kyle Lyons
Home Equity
Posted on December 14, 2023

Dealing With Holiday Debt

The holidays have never exactly been easy on the wallet, but the past few years have been especially rough. If you’re worried that you might have overspent a bit last year, at least you can rest easy knowing that pretty much everyone else did, too. In fact, 25% of Americans still haven’t fully paid off […]
By Kyle Lyons
Home Buying
Posted on October 5, 2023

When MIGHT mortgage rates start to go down?

Ah, the million-dollar question – “When will mortgage rates go down?” If only I had a crystal ball to answer that. (And hey, if you’ve got one, send it my way.) While I can’t predict the future, what I can offer are some insights. Think of it as your toolkit to be ready for action. 1. Economy […]
By Dani
Home Buying
Posted on April 26, 2022

Beginners Guide to Kitchen Renovation Projects

One of the most common home renovation projects is a kitchen remodel. The kitchen is the heart of the home — where you prepare delicious meals and gather with loved ones. If you’ve been living in your home for a while or you’ve recently purchased a home, you may want to remodel your kitchen. Remodeling […]
By Mortgage Center
Refinancing
Posted on October 25, 2021

The Differences Between Home Equity Loans, HELOCs and Cash-Out Refinances

When it comes to borrowing money, using the equity you’ve built in your home can be a smart decision. You can gain equity when your home increases in value or by paying down your mortgage principal. Each time you make your monthly mortgage payment, you gain some equity in your home. While other methods, like […]
By Mortgage Center
Refinancing
Posted on May 10, 2021

When Should I Refinance My Home?

Refinancing is a great way to save money on your mortgage, pay it off sooner, and much more. Before you get started, you should decide whether it’s right for you. Discover why you should refinance, when the right the time to do it is, and calculate your payment to ensure you’re making the right decision. What […]
By Mortgage Center
Refinancing
Posted on March 9, 2020

Understanding Your Home Appraisal

Appraisals are an important part of the mortgage process. They determine the value of your home in the current market and can affect the amount a lender issues you on your loan. Knowing what an appraisal is, how you can prepare, and what you need to consider before getting one are important parts of the […]
By Mortgage Center