Rates

Effective Date and Time : 10-28-2025 09:00 AM

Disclaimer | Note on High-Balance Loans
| Note on Buydowns
| 80% AMI Limits for Conventional Loans
| 65% AMI Limits for Habitat Loans

For Homebuyers: Interest rates on our home loans depend on many variables. Your Commission-trained lender will work with you to determine which programs are available to you. Find a lender here!

Home Advantage

Government Loans
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
3%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
5%
Origination Fee:
0%
High-Balance Fee:
2%
Freddie Mac Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
3%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
0%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
5%
Origination Fee:
0%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
3%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
0%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
N/A
Fannie Mae Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
3%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
5%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
3%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
5%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
2%

House Key Opportunity

Government Loans
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Freddie Mac Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Fannie Mae Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Fannie CLT/Habitat- Less than 65% AMI
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
0%

Energy Spark

Government Loans
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
2%
Fannie Mae Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
4%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%

Covenant Homeownership

Government Loans
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%
Freddie Mac Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
N/A
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
N/A
Fannie Mae Conventional
Rate
Orig Fee
DPA Option
High-Bal Fee
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
1%
High-Balance Fee:
2%
Loan Limit:
$
Loan Term:
30 Yrs
Lock Period:
0 Days
Maximum Income:
$
Minimum Credit Score:
Max DTI:
0%
Downpayment Assist:
0%
Origination Fee:
0%
High-Balance Fee:
2%