Home Loans & Mortgages
Turn your homeownership dreams into reality with competitive rates, expert guidance, and personalized service from our mortgage specialists.
Special Mortgage Offer
Get 0.25% rate discount with automatic payments
Find Your Perfect Home Loan
- Down payment as low as 3%
- Fixed and adjustable rates
- First-time buyer programs
- Lower your monthly payment
- Cash-out refinancing
- Streamlined process
- Down payment as low as 3.5%
- Lower credit requirements
- Gift funds allowed
- No down payment required
- No mortgage insurance
- Reusable benefit
First-Time Homebuyer Programs
We understand that buying your first home can feel overwhelming. Our first-time homebuyer programs are designed to make homeownership more accessible and affordable.
- Down Payment Assistance
Programs to help with down payment and closing costs
- Homebuyer Education
Free classes to prepare you for homeownership
- Flexible Underwriting
Alternative credit evaluation for unique situations
- Dedicated Support
Personal guidance throughout the entire process
The Mortgage Process
Pre-Approval
Get pre-approved to know your budget and strengthen your offer.
House Hunting
Find your dream home with a real estate agent.
Loan Application
Complete your full mortgage application with documentation.
Processing & Underwriting
We review your application and order an appraisal.
Closing
Sign final paperwork and get the keys to your new home!
Mortgage Tools & Resources
Estimate your monthly payments, see how much home you can afford, and understand the impact of different rates and terms.
Download our comprehensive guide with tips, checklists, and resources for navigating the homebuying process.
Sign up for rate alerts and we'll notify you when mortgage rates drop to your target level.
What Our Customers Say
"Our loan officer made the process so easy. As first-time homebuyers, we had a lot of questions, and they were always patient and helpful. We got a great rate too!"
James & Sarah Wilson
First-Time Homebuyers
"Refinancing with Future Bank saved us hundreds each month. The process was quick and the team kept us informed every step of the way."
Michael Johnson
Refinance Customer
"As a veteran, I appreciated how knowledgeable they were about VA loans. They made sure I got all the benefits I was entitled to and closed on time."
Robert Garcia
VA Loan Customer
Meet Our Mortgage Team
Jennifer Lee
Senior Loan Officer
NMLS# 123456
15+ years experience
David Martinez
Mortgage Consultant
NMLS# 234567
10+ years experience
Sarah Johnson
First-Time Buyer Specialist
NMLS# 345678
8+ years experience
Michael Thompson
VA Loan Specialist
NMLS# 456789
12+ years experience
Ready to Start Your Home Journey?
Take the first step toward homeownership with a mortgage pre-approval from Future Bank.