A Full Range of Options for Home Loans
Our home loan programs provide an affordable way for you to purchase a new home or refinance your current home loan. We have lower than average closing costs and competitive rates for fixed and adjustable rate home loans.
We can show how various choices affect your monthly payment and help you choose a home loan that isright for you.
Depending on the type of loan, required down payments can range from 0% to 20%. We provide:
- 5 to 40 year terms for fixed rate loans*
- up to 10 year terms for adjustable rate loans
- Jumbo loans at conventional rates
Interest-Only Mortgage Options
If you are interested in keeping your payments lower, we offer interest-only options that may benefit you. Products offered include 3 year & 5 year interest-only Adjustable Rate Home Loans as well as 10 year & 15 year Fixed Rate Home Loans.
Get pre-approved.
Thinking about buying a new house, condo or townhome? Before you begin researching your options, check with Affinity Plus. We can give you preliminary pre-approval for a home loan online or in person at no cost. Pre-approval gives you three important benefits:
- You know your price range as you shop and the estimated cost to close on your home.
- You have a better bargaining position when there are multiple offers on the home you want.
- You will learn which products may be right for your situation through an Affinity Plus representative.
Once you're pre-approved, finalizing your home loan is a piece of cake.
First-Time Homebuyers Programs
We can help you get into your first house with lower out of pocket expenses and as little as 0% down. Click here to read more about the program.
Refinance easily and affordably
We can help you whether you want to refinance to take advantage of low interest rates, for a major purchase, or for some other reason.
Speak with any of our Real Estate Specialists to help you see what your options are.
**Your monthly payment on a 30 year home loan at a rate of 6.875%, not including your escrow payments, would be $6.57 per $1,000 borrowed. For example, if you borrowed $200,000, your principle and interest payment would be $1199.10 per month.
*Your monthly payment on a 3/1 ARM at a rate of 6.00%(Amortized over 30 years, fixed rate for three years, adjustable after) not including your escrow payments, would be $6.00 per $1,000 borrowed. For example, if you borrowed $200,000, your principle and interest payment would be $1314.11 per month.
**Your monthly payment on a 5/1 ARM at a rate of 6.25%(Amortized over 30 years, fixed rate for three years, adjustable after) not including your escrow payments, would be $6.16 per $1,000 borrowed. For example, if you borrowed $200,000, your principle and interest payment would be $1231.43 per month.
Accelerate Home Loan
The Accelerate Home Loan is a product unlike any other in the business. Its designed for people whove managed their money wisely, but havent refinanced lately--because they dont want the hassle or the cost.
See what makes Accelerate so great:
Great rates
The Accelerate interest rates change daily and are based on the
10-year bond, but once you lock-in, your rates are fixed for the life of the loan.
Flexible terms
Conventional home loans typically come in two sizes--15 and 30 years. The Accelerate Mortgage is available in terms from 5 to 12* years--the choice is yours. Accelerates rates are so low you may be able to shorten your term and keep your monthly payments the same.
Minimal fees
Refinancing can typically cost you thousands of dollars in points or closing costs. Not Accelerate. Weve trimmed the expenses to a flat fee, depending on what size loan you get.
- Accelerate Refinance Flat Fee - $1499 Amounts up to 417,000
- Accelerate Purchase Flat Fee - $2499 Amounts up to 417,000
- Accelerate Jumbo Flat Fee - $2,999 Amounts from 417,000
- Accelerate Super Jumbo Flat Fee - $4,999 Amounts from 650,001 +
Quick process
Refinancing with Accelerate is incredibly easy. You can even apply over the phone! From there, well process your loan quickly. You come in for your closing and sign a few papers. Thats it.
Honest answers
Do you want to lower your monthly payments or pay off your mortgage sooner? Should you increase the size of your loan and take out some extra cash? Well be happy to explore your options and help you make these important decisions. Thats why were here.
* The repayment on a 5 year Accelerate Home Loan at a rate of 4.46% would equal 60 monthly payments of $18.63 per $1,000 borrowed.
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