Home Mortgages

Home Mortgages

Make your homeownership dreams a reality with competitive rates, flexible terms, and personalized service from our mortgage experts.

Choose Your Mortgage Type

30-Year Fixed Rate
Stable payments for the life of your loan
6.75%
APR as low as*
  • Fixed rate and payment for 30 years
  • Down payment as low as 3%
  • No prepayment penalties
  • Loan amounts up to $766,550
15-Year Fixed Rate
Build equity faster with lower rates
6.25%
APR as low as*
  • Lower interest rate than 30-year
  • Pay off your home in half the time
  • Save thousands in interest
  • Build equity faster
Adjustable Rate Mortgage (ARM)
Lower initial rates with potential savings
5.95%
Initial APR as low as*
  • Lower initial rate for first 5-7 years
  • Rate caps protect against large increases
  • Ideal for short-term homeowners
  • Lower initial monthly payments
Refinancing
Lower your rate or access your equity
6.50%
APR as low as*
  • Lower your monthly payment
  • Cash-out refinancing available
  • Switch from ARM to fixed rate
  • Streamlined application process

Your Path to Homeownership

1

Get Pre-Approved

Complete our online application and receive a pre-approval letter within 24 hours.

2

Shop for Homes

Work with your real estate agent to find the perfect home within your budget.

3

Submit Full Application

Once you find your home, submit your complete loan application with required documents.

4

Close on Your Home

Complete the final paperwork and receive the keys to your new home at closing.

Mortgage Tools & Resources

Mortgage Calculator

Calculate your monthly payments, see how much you can afford, and compare different loan scenarios.

Pre-Approval

Get pre-approved to strengthen your offer and show sellers you're a serious buyer.

First-Time Buyer Guide

Download our comprehensive guide with tips, checklists, and resources for first-time homebuyers.

Why Choose Horizon Banking for Your Mortgage?

Competitive Rates

We offer some of the most competitive mortgage rates in the market.

Expert Guidance

Our experienced loan officers guide you through every step of the process.

Fast Processing

Quick turnaround times to help you close on your dream home faster.

Local Expertise

Deep knowledge of local markets and community-focused service.

Ready to Start Your Home Journey?

Take the first step toward homeownership with a mortgage pre-approval from Horizon Banking.