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Reduce Your Interest Rate

Explore your loan options

We can help you get started learning about different home loans. Below are a few options you may want to consider based on features that may be important to you. To see additional home loans, visit our Loans & Programs area.
If you're looking for Fixed-Rate Mortgages Adjustable- Rate Mortgages FHA/VA Loans Home Affordable Refinance Program (HARP) Mortgage + Home Equity Financing Home Equity Line of Credit with Fixed Rate Advance
Predictable monthly paymentsYes YesYesYesYes
Lower monthly payments in the loan's early years YesYesYes  
A refinance option if you have limited equity in your home  YesYes  
An option that helps avoid the expense of private mortgage insurance     Yes 
A higher (jumbo) loan amount for higher-priced propertiesYesYes   Yes
What loan meets my needs?

Answer a few questions to customize and compare rates, payments, and estimated closing costs.
For your mortgage needs:
For your home equity needs:


Private Mortgage Insurance (PMI)

Private mortgage insurance (PMI) protects the lender against a loss if a borrower defaults on the loan. It is usually required for loans in which the down payment is less than 20% of the sales price or, in a refinancing, when the amount financed is greater than 80% of the appraised value.
Equal Housing Lender
If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.