A mortgage process that respects your time.
Purchase, refinance, or renovation loans with a rate lock, a dedicated loan officer, and a closing timeline we put in writing up front.
Compare loan terms side by side.
Rates shown are representative; your actual rate depends on credit, down payment, and loan type.
| 30-Year Fixed | 15-Year Fixed | 7/6 ARM | |
|---|---|---|---|
| Rate from | 5.9% APR | 5.3% APR | 5.6% APR |
| Minimum down payment | 3% | 3% | 5% |
| Best for | Lowest monthly payment | Fastest payoff, less interest | Selling or refinancing within 7 years |
| Get pre-qualified | Get pre-qualified | Get pre-qualified |
Four steps, one loan officer the whole way.
1. Get pre-qualified
A soft credit check gives you a real budget number in about 10 minutes, no cost.
2. Lock your rate
Once you have an accepted offer, lock your rate for up to 60 days at no charge.
3. Underwriting
Upload documents from your phone; your loan officer tracks the file so you are not chasing updates.
4. Close
Sign digitally or in person — most files close within three weeks of a locked rate.
Questions people actually ask.
Conventional loans can go as low as 3% down for qualified first-time buyers; 20% down avoids private mortgage insurance.
Yes, rate-and-term and cash-out refinancing are both available with the same rate-lock process as a purchase loan.
No Exuma Sound mortgage carries a prepayment penalty.
Get pre-qualified without affecting your credit.
Takes about 10 minutes and gives you a real number to shop with.
Get pre-qualified