Mortgage Loans
A better Mortgage starts with savings and service.
Get up to $700 off closing costs with promo code SAVEONCLOSING.4
Questions? We can help.
ARMs feature a fixed, introductory rate which is subject to adjustment after a set period.
We offer 3/3, 5/3, and 7/3 ARMs. The first number indicates the number of years in which the introductory rate will not change. The second number indicates, in years, how often the rate could adjust up or down after the introductory period for the life of the loan.
ARMs are a great option if: you move frequently or you move frequently or want the potential for a lower payment, should mortgage rates decrease.
Fixed-rate Mortgages
Our fixed-rate Mortgages feature an interest rate that will not change for the entire duration of the loan (unless you intentionally take action to change it, such as refinancing a home loan if interest rates decrease).
Fixed-rate Mortgages are a great option if: you intend to stay in your home for at least 10 years and prefer a consistent monthly payment.
Ready to start? Begin your application.
Calculators
- How much home can I afford? Use our calculator to see an estimated monthly mortgage payment amount.
- Fixed-rate or ARM? Compare the payments of these two popular home loan options.
- What’s my debt-to-income ratio? DTI is a factor when you apply for a new loan. Learn yours now.
Save $15,557 By Choosing Connexus*
Source: Datatrac. Rates as of December 22, 2024Our Rates
National Average
Big Savings
Connexus Mortgage Advantages
Why choose Connexus for your next Mortgage?
Competitive, low rates
Our competitive Mortgage rates can help you afford the home you want.
Options with as little as 3% down3
Our 3% down Mortgage option can help you buy a home sooner — without depleting your savings.
Personal, helpful service
Getting a Mortgage doesn’t need to be daunting. You’ll work directly with one dedicated team member, from application to close.
The right Mortgage for your needs
We offer Fixed- and Adjustable-rate mortgages, VA Home Loans, new construction loans, and mortgages for second homes, investment properties, and first-time buyers.
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Provide basic information and see monthly payment details and closing costs.
Find a mortgage loan officer
Choose who you want to work with.
Mortgage resources
Find answers to all your mortgage questions.
Construction loans
Building a new home? We can help you every step of the way.
Blog
Learn more about buying a home
8 Steps of Home Buying (and How to Make Them Easier)
We break down eight of the most important steps of home buying and give you an easier way to complete them.
Is an Adjustable-Rate Mortgage Right for You?
Mortgages are not one-size-fits-all. Your specific circumstances dictate what mortgage product is right for you. In this blog, we will look closely at adjustable-rate mortgages and determine when they might be the right choice for you.
Pre-Qualify vs. Pre-Approve: What’s the Difference?
When home buying, knowing whether to get pre-qualified or pre-approved could be the difference between landing your dream home and losing it to another buyer.
FAQs: You Asked. We Answered.
Mortgage Loans
How long will it take to process my loan application?
Processing your application can vary by lender and market conditions. The typical timeframe from application to closing ranges from 30 to 60 days.
What is a credit score and how will my credit score affect my application?
A credit score is one of the pieces of information that we’ll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.
Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.
Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.
Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won’t be paid as agreed.
Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a member.
How is my interest rate determined?
What loan programs do you offer?
I am a first time homebuyer. What loan programs do I qualify for?
Can I apply for a loan before I find a property to purchase?
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we’ll issue an approval subject to you finding the perfect home. We’ll issue a pre-approval letter online instantly. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-approval for a mortgage may give more weight to any offer to purchase that you make.
When you find the perfect home, you’ll simply call your Mortgage Loan Officer to complete your application. You’ll have an opportunity to lock in our great rates and fees then and we’ll complete the processing of your request.
Do you refinance existing mortgages?
Yes, we offer home loan refinancing. Please see our Mortgage Refinance page for more information.