Mortgage down payment options as low as 3%.^
Plus, $500 off closing costs.^^
Getting Your Mortgage Loan With Confidence
Ready to get the right home loan? From buying your first home to fixing one up to refinancing – and for all your other mortgage needs – we’re here to help you make it happen, each step of the way.
It’s fast, easy and hassle-free with:
- The ability to lock your rate when you choose – at the time you apply or up to seven days before closing
- Online mortgage loan status updates throughout the process
- Great rates and local servicing
What Can We Help You With?
Buying A Home
This will be fun! The best way to start is by seeing what’s possible. Once you find out what you can afford, your potential monthly payment and the right term, then you’re ready to get rolling. Here are some homebuying resources to help:
- Crunch the numbers with our mortgage loan calculators
- Watch our First-Time Homebuying videos
- Take a look at our First-Time Homebuyer's Handbook
It’s good to check whether your current mortgage still makes sense or if it’s time to refinance. See if you could save big in the long term or free up some money in the meantime with either an Express or Traditional Mortgage Refinance.
Whether it’s a loan or a line of credit, borrowing some of your equity back is a smart way to do more with your money – hello, home improvements! Imagine what you could check off the to-do list and:
Second & Vacation Homes
Your home away from home deserves a payment plan that’s just as cozy – and we have a variety of options on both fixed-rate and adjustable-rate mortgages.
We have the rates, terms and loan amounts to match your vision for getting the most out of your investment.
Your Mortgage Loan Partner
With the great rates you need to start, online mortgage loan status updates throughout the process and local servicing for the life of your loan, Summit is here for you every step of the way. Our mortgage loan officers are ready to connect whenever you are! Really, whenever.
Loan Types and Rates
A fixed-rate mortgage loan is exactly that – fixed. It doesn’t move. So your monthly payments will always stay the same over the term of the loan.
A good option for someone who expects to stay in the same house for a while or just wants a consistent payment.
With an adjustable rate loan, your interest rate can change over the course of your loan, after being locked-in for the initial term.
A good option for someone looking for a more affordable payment early on, expecting an increase in their income or planning to only stay in the house for a few years.
|TYPE AND TERM||RATE||Annual Percentage Rate|
30 Year Fixed
15 Year Fixed
30Yr No/Low Cost*
20 Year Fixed
Start With A Free Preapproval
It’s the best first step. Because when you get a preapproval on your loan, you have the green light to go up to a maximum purchase price – and you have extra credibility on your offer to purchase. You just need:
A government-issued ID
Your most recent 30 days of pay stubs and two years of W-2s
Your statement or account numbers for all bank accounts and loan balances
We thought so! And here’s a way to save big that you might not know about: pay a little extra on your mortgage each year.