Mortgage Options
Overview
An unchanging monthly payment and interest rate
Fixed-Rate Mortgage
- Fixed principal and interest payment throughout the life of the loan
- Simple online application process
Flexibility and savings with varying interest rates
Adjustable-Rate Mortgage
- Lower initial monthly payments
- Lower initial interest rate
Homeowners who need a loan amount above the conforming loan limits
Jumbo Loan
- Term loan for existing homeowners who have a current mortgage that exceeds $417,000
- Potential to increase loan-to-value ratio up to 90%
- Potential to lower mortgage interest rates
Low closing costs for home construction and permanent financing
Construction-to-Permanent Mortgage
- Financing for the construction of a new home that converts to permanent financing
- Interest-only payments throughout the construction phase
Varying interest rates with flexible terms and low origination fees
Money Saver Mortgage
- Lower fees and upfront costs
- Competitive adjustable rate options
- Fixed-rate options available
- Streamlined process
- Ideal for borrowers who don’t need an escrow account
Normal credit approval applies. Not applicable in all states.
Compare Accounts
| Account type |
Fixed-Rate Mortgage |
Adjustable-Rate Mortgage |
Jumbo Loan |
Construction- Mortgage |
|
|---|---|---|---|---|---|
| Best if you want | A mortgage with a fixed monthly payment and interest rate | A mortgage that offers lower monthly payments and lower interest rates during an initial period, after which time rates are readjusted regularly | To purchase or refinance a home, though you already have an existing mortgage over $417,000 | Low closing costs for both the construction and permanent financing of your new home | |
| Terms | Flexible terms, both long and short | Variety of terms are available | Flexible terms, both long and short | Terms vary; up to 12-month construction terms available | |
| Rates | Talk to a mortgage |
Talk to a mortgage |
Talk to a mortgage |
Talk to a mortgage |
|
| Additional benefits |
|
|
|
|
|
| Account type |
Fixed-Rate Mortgage |
Adjustable-Rate Mortgage |
Jumbo Loan |
Construction-to-Permanent Mortgage |
|
Normal credit approval applies. Not applicable in all states.
Questions?
Email us
Or call
1.888.FC DIRECT (1.888.323.4732)
Learn more about Online Banking
Secure account access to keep your finances streamlined and organized
Learn MoreGet the Mobile Banking app
Make deposits, pay bills, transfer funds and manage your account on the go
Learn More