
Home Mortgages
Make your homeownership dreams a reality with competitive rates, flexible terms, and personalized service from our mortgage experts.
Choose Your Mortgage Type
- Fixed rate and payment for 30 years
- Down payment as low as 3%
- No prepayment penalties
- Loan amounts up to $766,550
- Lower interest rate than 30-year
- Pay off your home in half the time
- Save thousands in interest
- Build equity faster
- Lower initial rate for first 5-7 years
- Rate caps protect against large increases
- Ideal for short-term homeowners
- Lower initial monthly payments
- Lower your monthly payment
- Cash-out refinancing available
- Switch from ARM to fixed rate
- Streamlined application process
Your Path to Homeownership
Get Pre-Approved
Complete our online application and receive a pre-approval letter within 24 hours.
Shop for Homes
Work with your real estate agent to find the perfect home within your budget.
Submit Full Application
Once you find your home, submit your complete loan application with required documents.
Close on Your Home
Complete the final paperwork and receive the keys to your new home at closing.
Mortgage Tools & Resources
Calculate your monthly payments, see how much you can afford, and compare different loan scenarios.
Get pre-approved to strengthen your offer and show sellers you're a serious buyer.
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.