Take Advantage of our Competitive Rates

Pay fewer fees and get unmatched service—exclusive to our Fire Family!

Lock in Your Rate for a Longer Period

Take advantage of the low rate market. No gimmicks here.

  • 15-year fixed mortgage with rates as low 2.500%/2.605% APR2
  • 30-year fixed mortgage with unbelievable rates!

Get a 7/1 ARM and Pay No Points or Closing Costs

7/1 Adjustable Rate Mortgage (ARM) with rates as low as 2.750%/2.564% APR1 plus no points or closing costs.

We Pay All Closing Costs:

  • Appraisal Report
  • Credit Report
  • Flood Determination
  • Tax Service
  • Texas Document (TX Only)
  • Lender’s Title Policy
  • Notary Services
  • Settlement Services
  • Affordable Housing (CA Only)
  • Recording Fees

How a 7/1 ARM Mortgage Works:

  • Fixed rate for first 7 years, variable for remaining 23 years

Your only costs include pre-paid items such as tax impounds and homeowner’s insurance, along with assessed interest and prorates.

Use our Mortgage Refinance Calculator to run the numbers; or contact us to get started.

Today's Rates

Personalized Quote

NMLS ID #649058. Mortgages available in all 50 states.

1 Rate is effective 10/19/2020. 7/1 Adjustable Rate Mortgage (ARM) payment example: This is a fixed rate loan for the first 7 years then the rate adjusts the remaining 23 years. Adjustments only occur after the first 7 years with a maturity in 30 years. For a $400,000 loan with a start rate of 2.750%, 2.564% APR (Annual Percentage Rate), for the first 84 months, your estimated payment would be $1,632.96. Your first adjustment will occur at the 85th month. Your rate will be no more than 4.750% with an estimated fixed payment of $1,990.00 for 12 months. Your second adjustment will occur at the 97th month. Your rate will be no more than 6.750% with an estimated fixed payment of $2,370.00. Rates increase no more than 5% above the initial start rate over the life of the loan and a maximum rate of 7.750%, with an estimated maximum payment of $2,566.00. Rates are subject to change without prior notice. Index rate is the One-Year Treasury Constant Maturity at 0.14%, the margin is 2.25% - the floor is also 2.25%. For Refinance only on Primary residence and second home. Purchase, Construction and Land Loans are not available for this loan product. Investment property does not qualify for this loan product. Both conforming loan programs and jumbo programs available. You will only pay for pre-paid items such as impounds (for taxes), homeowner’s insurance, along with pre-paid interest and prorations. Taxes and insurance are not included in the payment shown, the payment maybe higher. For a no cost 7/1 ARM loan at 2.750% Rate, 2.564% APR, please ask your loan officer for details.

2 15 Year Fixed Mortgage Payment Example: This is a fixed rate loan for the 15 years. For a $400,000 loan with a rate of 2.500%, 2.605% APR (Annual Percentage Rate) for 15 years, your monthly payment schedule would be 179 payments of $2,667.16 and (one) 1 payment of $2,666.58. Rates are subject to change without prior notice. Rates are accurate as of October 19, 2020. Construction and Land Loans are not available for this loan product. Investment property does not qualify for this loan product. Both conforming loan programs and jumbo programs available. Taxes and insurance are not included in the payment shown, the payment maybe higher.