Home Loans

Home Sweet Loan

Buying a home is a huge life event. Whether you’re buying your first home or your dream home, you’ll probably need a mortgage. That’s where we come in. We offer a variety of home loans to fit your needs at competitive rates. Fixed-rate and adjustable-rate options. FHA, VA and USDA Loans. Jumbo loans, professional loans and mortgages with down payment assistance. We’ve got you covered no matter what you need.

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The homebuying process might seem complicated, especially if you’re a first-time homebuyer, but we’re here to make it simple. Our professional Real Estate Loan Officers can help you along the way, explaining all the complicated parts and working with you to find the ideal mortgage type for your situation.

We’re available Monday – Friday, 8am to 5pm.
800.839.6328, ext. 2694

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Did You Know?

Grow offers adjustable-rate mortgages (ARMs), ensuring you feel confident when putting down roots. An ARM may be a good choice if you want to maximize your buying power and keep your payments lower during the first few years of your loan. Contact one of our Real Estate Loan Officers to determine which loan is the best fit to help you grow.

Home Loans	Interest Rate	APR	Monthly Payment^*
10-Year Fixed	As low as 6.000%	As low as 6.106%¹	$3,331
15-Year Fixed	As low as 6.000%	As low as 6.075%¹	$2,532
20-Year Fixed	As low as 6.125%	As low as 6.279%¹	$2,171
30-Year Fixed	As low as 6.250%	As low as 6.367%¹	$1,847
3/1 Year ARM	Year 1-3: As low as 5.500% Year 4-30: As low as 7.500%	Year 1-3: As low as 5.544%² Year 4-30: As low as 7.500%²	Year 1-3: $1,703 Year 4-30: $2,070
5/1 Year ARM	Year 1-5: As low as 5.625% Year 6-30: As low as 7.625%	Year 1-5: As low as 5.669%² Year 6-30: As low as 7.630%²	Year 1-5: $1,726 Year 6-30: $2,076
5/5 Year ARM	Year 1-5: As low as 5.875% Year 6-10: As low as 7.875%	Year 1-5: As low as 5.919%² Year 6-10: As low as 7.875%²	Year 1-5: $1,775 Year 6-10: $2,206
10/1 ARM	Year 1-10: As low as 6.250% Year 11-30: As low as 8.250%	Year 1-10:As low as 6.295%² Year 11-30: As low as 8.250%²	Year 1-10: $1,847 Year 11-30: $2,469

10-Year Fixed	As low as 6.000%
15-Year Fixed	As low as 6.000%
20-Year Fixed	As low as 6.125%
30-Year Fixed	As low as 6.250%
3/1 Year ARM	Year 1-3: As low as 5.500% Year 4-30: As low as 7.500%
5/1 Year ARM	Year 1-5: As low as 5.625% Year 6-30: As low as 7.625%
5/5 Year ARM	Year 1-5: As low as 5.875% Year 6-10: As low as 7.875%
10/1 ARM	Year 1-10: As low as 6.250% Year 11-30: As low as 8.250%

10-Year Fixed	As low as 6.106%¹
15-Year Fixed	As low as 6.075%¹
20-Year Fixed	As low as 6.279%¹
30-Year Fixed	As low as 6.367%¹
3/1 Year ARM	Year 1-3: As low as 5.544%² Year 4-30: As low as 7.500%²
5/1 Year ARM	Year 1-5: As low as 5.669%² Year 6-30: As low as 7.630%²
5/5 Year ARM	Year 1-5: As low as 5.919%² Year 6-10: As low as 7.875%²
10/1 ARM	Year 1-10:As low as 6.295%² Year 11-30: As low as 8.250%²

10-Year Fixed	$3,331
15-Year Fixed	$2,532
20-Year Fixed	$2,171
30-Year Fixed	$1,847
3/1 Year ARM	Year 1-3: $1,703 Year 4-30: $2,070
5/1 Year ARM	Year 1-5: $1,726 Year 6-30: $2,076
5/5 Year ARM	Year 1-5: $1,775 Year 6-10: $2,206
10/1 ARM	Year 1-10: $1,847 Year 11-30: $2,469

10-Year Fixed
15-Year Fixed
20-Year Fixed
30-Year Fixed
3/1 Year ARM
5/1 Year ARM
5/5 Year ARM
10/1 ARM

^*The payment does not include taxes and insurance; therefore, the actual payment obligation will be greater. Above examples are shown without discount points. Payment based on a $300,000 loan amount. The rates are effective as of 07/06/2025 and are subject to change. Rates displayed are the lowest rates available.

¹Annual Percentage Rate (APR). Minimum loan amount is $40,000. A minimum down payment of 5% is required. Down payment requirements may vary depending on the property type, loan purpose, LTV or other factors. Your rate is based on your creditworthiness and LTV. PMI required for LTVs greater than 80%. Mortgages are available in the following states: Florida, South Carolina, North Carolina, Georgia, Tennessee and Alabama. The mortgage must be secured by your home, which must be owner occupied and a single-family residence, excluding manufactured homes. Property insurance is required, and if applicable, flood insurance will be required.

²Adjustable-Rate Mortgages (ARMs) are variable, and your APR may increase after the original fixed-rate period. The first adjusted payment is based on the average yield on a 1-year U.S. Treasury Securities (index) plus a margin. Rates vary based on creditworthiness, LTV, occupancy, loan purpose and/or other factors. The floor is 4% and the minimum loan amount is $40,000. Payments are based on a 30-year amortization. A minimum down payment of 5% is required. Down payment requirements may vary depending on the property type, loan purpose, LTV or other factors. Mortgages are available in the following states: Florida, South Carolina, North Carolina, Georgia, Tennessee, and Alabama. The mortgage must be secured by your home, which must be owner occupied and a single-family residence, excluding manufactured homes. Property insurance is required, and if applicable, flood insurance will be required.

All loans are subject to credit approval.

Not all will qualify for the lowest rate.

Choosing the Right Mortgage for You

Our various loan offerings get you one step closer to finding your way home.

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Adjustable-Rate Mortgages

Adjustable-Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

Fixed-Rate Mortgages

Fixed-rate mortgages are simple. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

Jumbo Loans

Need to borrow more than $726,200.00? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.

Unique Loans

We offer a number of unique loans that may fit your particular needs. FHA, VA and others. Talk with us about your needs and we’ll help find a loan that is right for you.

Home Equity Loans

Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.

Learn About Home Equity Loans

Consolidate high finance charge debts into a lower interest rate loan

Debt Consolidation Refinance

A debt consolidation refinance puts your home’s equity to work paying off high-interest debt. You’ll enjoy one monthly payment with a much lower interest rate compared to revolving loans, like credit cards.

Adjustable-Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

Fixed-rate mortgages are simple. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

Need to borrow more than $726,200.00? A Jumbo Loan may be your answer. We offer a variety of Jumbo loans to meet your needs.

We offer a number of unique loans that may fit your particular needs. FHA, VA and others. Talk with us about your needs and we’ll help find a loan that is right for you.

Home Equity loans let you borrow against the equity in your home. Looking to remodel? Finance a college education? Consolidate debt? Our Home Equity programs may be just the answer.

Learn About Home Equity Loans

A debt consolidation refinance puts your home’s equity to work paying off high-interest debt. You’ll enjoy one monthly payment with a much lower interest rate compared to revolving loans, like credit cards.

How to Prepare for Your Upcoming Appointment:

Coming to see us soon? Make sure you have everything
you need prior to your appointment time.

Proof of residential address, or addresses, for the past two years

Social Security numbers for all borrowers

Employment history for the past two years, including employer(s) name, address and phone number

Income information for all borrowers, including salary, overtime, bonuses, commissions, interest/dividends, retirement income and any other regular source of income

Price of the home you are buying, and how much you’d like to borrow

Address of the property you are planning to purchase

Bank and brokerage account information, including the institution name and current balances

Information about real estate you own. If you own real estate: we’ll have some basic questions including address, current market value, amount you owe, the rental income you receive (if any) and monthly payment

Information about your current debts: the name of the creditor, account number, current balance owing and the monthly payment amount