Mortgage Loans

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Benefits

5-star Mortgage Loan Officers on Zillow.com
Local underwriting and processing of your loan
Fast approvals and closings
Local servicing of conventional mortgages
Low fees and competitive rates save you money

Account Descriptions

Account Type

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Additional Information

Conventional Fixed-Rate Mortgage

Purchasing a new home with a fixed interest rate for the life of the loan

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fixed-rate mortgage head

Whether you’re purchasing your very first home or interested in refinancing your current one, Pathways has the product to make your home ownership goals a reality.

Carry the same interest rate for the life of the loan – the most popular type of home loan
Terms up to 30-years available
Down payment requirements as little as 3%
Predictable monthly payments
Low, competitive interest rates

Adjustable Rate Mortgage

Purchasing a new home with more flexibility in interest rate

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smartpath

A great option for those who want a lower monthly payment initially but anticipate being able to afford higher payments in the future or those who plan to sell or refinance their home within the fixed period.

Low, competitive interest rates
Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
Ask us about our popular SmartPath 5/5 ARM!

12-Year Fixed Rate Mortgage Refinance

Taking advantage of historically low interest rates while simultaneously paying off your loan sooner.

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12 year fixed rate

NO CLOSING COSTS to refinance under this program*
Lower your interest rate and potentially your monthly payment
Reduce the amount of time owed on your mortgage

*No closing costs due at the time of application. Existing Pathways loans: closing cost fee of $1,025 charged for all Pathways mortgage loans refinanced to a lower rate under this program.

FHA and VA Loans

Purchasing a new home when you may qualify for special government insured housing programs

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