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Purchase Loans

Adjustable-Rate Mortgages

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

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Purchase Loans

Asset Advantage

Use your assets to help qualify for a home loan.

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Purchase Loans

Barndominiums

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

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Purchase Loans

Best Score Family Helper Loan

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

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Purchase Loans

Conventional Mortgage Options

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

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Purchase Loans

Doctor Loan

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

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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.

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Purchase Loans

FHA

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

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Purchase Loans

Hobby Farm Loan

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

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Purchase Loans

Homeready® & Home Possible®

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

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Purchase Loans

Home Renovation Loan

Purchase and renovate your home with one convenient mortgage solution.

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Purchase Loans

Jumbo Mortgage

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

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Purchase Loans

New Start Loan

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

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Purchase Loans

Non-Warrantable Condo

Mortgage solutions for condos that expand upon traditional lending guidelines.

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Purchase Loans

One-Time Close Construction

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

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Purchase Loans

PMI Saver Loan

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

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Purchase Loans

Right Choice Loan

Low down payment financing for experienced buyers.

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Purchase Loans

Veteran Loan

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

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Purchase Loans

Zero Down Payment

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

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Refinance Loans

FHA

Simplify your refinance with reduced paperwork.

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Refinance Loans

Hobby Farm Loan

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

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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.

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Refinance Loans

Non-Warrantable Condo

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

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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.

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Refinance Loans

PMI Saver Loan

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

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Refinance Loans

Right Choice Loan

Ideal for borrowers who would like expanded qualifying options.

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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.

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Purchase Loans

Asset Advantage

When Your Assets Speak Louder Than Your Income

Put your financial strength to work your way.

What Is the Asset Advantage Loan?

The Asset Advantage Loan is a portfolio mortgage designed for borrowers who have strong, verifiable assets but may not meet conventional income documentation requirements. Instead of relying on pay stubs or tax returns, this loan uses your liquid assets as a qualifying factor.

 

If you’re financially secure but don’t have traditional income—or don’t want to rely on it to qualify—our Asset Advantage Loan gives you a smart alternative. This exclusive loan allows you to use verified assets to qualify for your mortgage.

Why Choose Asset Advantage?

Qualify Using Assets Instead of Income

We calculate your ability to repay based on the value of your eligible assets—ideal for retirees, business owners, or those with non-W2 income.

Perfect for High-Net-Worth Borrowers

If you have investments, savings, or other liquid assets, this loan works with your financial reality.

Flexible, Portfolio-Based Lending

Because it’s not sold to Fannie or Freddie, we can offer more flexibility in how we structure the loan.

No Need to Liquidate

Your assets stay in place—we simply use them as proof of ability to repay.

Ideal for Primary and Second Homes

Whether it’s your forever home or a new vacation property, this loan gives you options.

Who’s a Good Fit for Asset Advantage?

  • Retirees with strong savings but little income
  • Business owners with fluctuating cash flow
  • Borrowers with significant investments
  • High-net-worth individuals seeking flexible qualification
  • Buyers who don’t want to rely on tax returns or employment income

Let Your Assets Do the Talking.

You’ve built financial strength. Now let’s turn it into homeownership on your terms—with a loan that respects the full picture.

Start The Conversation I’m Ready to Apply

Current Rates

Lock in today’s competitive rates and start saving on your mortgage. Our team offers fast, reliable options tailored to your needs.

30 Year Fixed-Rate Purchase

Our Rates

Effective Date: August 20, 2025

  • Rate 5.875 %
  • APR 6.031 %
  • Points 0.25
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Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

15 Year Fixed-Rate Purchase

Our Rates

Effective Date: August 20, 2025

  • Rate 5.625 %
  • APR 5.857 %
  • Points 0.125
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Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

7/1 ARM

Our Rates

Effective Date: August 20, 2025

  • Rate 5.750 %
  • APR 6.378 %
  • Points 0.25
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

5/1 ARM

Our Rates

Effective Date: August 20, 2025

  • Rate 5.625 %
  • APR 6.457 %
  • Points 0.25
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

5-Year Home Equity Loan

Our Rates

Effective Date: August 20, 2025

  • Rate 6.375 %
  • APR 8.736 %
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

10-Year Home Equity Loan

Our Rates

Effective Date: August 20, 2025

  • Rate 7.250 %
  • APR 8.550 %
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

15-Year Home Equity Loan

Our Rates

Effective Date: August 20, 2025

  • Rate 7.625 %
  • APR 8.572 %
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

One-Time Close Construction Rate

Our Rates

Effective Date: August 20, 2025

  • Rate 6.625 %
  • APR 6.785 %
  • Points 0.25
See Assumptions See All Rates

Low Rates with a Clear Path

At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.

Talk to an Expert

Our mortgage application makes the process simple. Start your journey today!

Apply Now

Crunch the Numbers

Whether you’re looking to manage your budget or want to figure out if you should buy or rent your next place, Mortgage Center has you covered. Check out our wide variety of calculators that can help you make the best financial decisions for your future.

Other Loan Options

Fannie Mae & Freddie Mac Fixed-Rate Loans

Your go-to option for long-term stability with predictable monthly payments.

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FHA Loans

An FHA loan is another great option to get a mortgage with less money down and flexible approval guidelines.

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PMI Saver

A conventional loan option with lower private mortgage insurance costs—ideal for borrowers with strong credit.

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Maximum
Cash-Out Refinance

Refinance and access your home’s equity while sticking with conventional loan benefits.

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You give us our why

I’ve done two HELOCs previous to this it was the smoothest, most efficient, no anxiety process I’ve ever gone through. Kudos to ALL of you for your exemplary dedication to your job and your customer. Thank you all!

P. Duren, Credit Union Member

The service was excellent. All the people involved were very supportive, professional and diligent. I did not consider credit union initially, but David Thomas was so convincing in his first call to me. I am so glad that I decided to go through the process with Mortgage Center!

A. Houenagnon, Credit Union Member

The whole team I worked with were amazing. They were always there to answer any questions I had. The process was smooth and quick.

L. Oleston, Credit Union Member

Financial Hub

Blog

Discover great tips on how to save and budget for a home, preparing for an appraisal and so much more.

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Heads up: Some of our loan products may not be available in your state. Want to know what’s available for you? Just reach out—we’re happy to help!