Becoming a homeowner for the first time can be an exciting adventure. The following information will provide you with the tools and knowledge to navigate the process. Click on the section headers below for FAQs.

FHA Loans

  • •  30 Year Fixed Rate
  • •  Low Down Payments
  • •  Flexible Guidelines

For today’s rates & program details

Call 401-729-4060

Equal Housing Lender. Equal Housing Lender

First Time Homebuyers

  • 4.125% rate
  • 4.748% APR

30 Year Fixed Rate Special

100% Financing

No Closing Costs

Advertised Annual Percentage Rate (APR) with 0 points as of 10/2/2019. All borrowers must be a first time homebuyer to qualify. Minimum credit score of 720 required for all borrowers. Maximum loan amount $484,350. Mortgage insurance (PMI), property insurance (and flood insurance if applicable) required. Account subject to individual approval. Rate and APR subject to change without notice. Single family, owner-occupied properties only. PCU’s regular terms and conditions apply. No Closing Cost offer available only on 30 Year Fixed Rate Special loans. If applicable, borrower must pay certain costs (e.g. prepaid interest, initial escrow deposit, PMI). Attorney’s closing fees capped at $900 (typically $600-$700). 100% financing offer only applicable to first time homebuyer loans; all borrowers must be a first time homebuyer to qualify. Equal Housing Lender. Equal Housing Lender

The quotes above are only a sample of the wide variety of loan programs and rates available. The rates and points listed below do not take into consideration possible adjustments based on an evaluation of the following:

Applicant's credit score, Loan-to-Value, combined Loan-to-Value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose. Rates and points may differ for individuals.

Loan Programs, Rates & Fees

When it comes to home financing, there are many different features to consider. How do you find the loan that’s best for you? Here’s some information to help.

Application Process

Applying for a mortgage can be intimidating. You’re asked specific details about your income, assets, and debts. Learn how that information is used when applying for a mortgage.

Your Property

When you buy or refinance a home, the property is used as collateral for the loan. Here’s what the lender is looking for and why.

Closing Process

When your loan is approved and your closing date has been set, here’s what to expect at closing and what happens afterwards.

 

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