Mortgage Loans
Helping you become a homeowner.
The right Mortgage for your needs is at Connexus.
Questions? We can help.
Today’s rates
Adjustable-rate Mortgages (ARMs)2
Fixed-rate Mortgages
Ready to start? Begin your application.
Calculators
- How much home can I afford? Use our calculator to see an estimated monthly mortgage payment amount.
- Fixed-rate or ARM? Compare the payments of these two popular home loan options.
- What’s my debt-to-income ratio? DTI is a factor when you apply for a new loan. Learn yours now.
Why choose Connexus for your next Mortgage?
Competitive, low rates
Our competitive Mortgage rates can help you afford the home you want.
Options with as little as 3% down3
Our 3% down Mortgage option can help you buy a home sooner — without depleting your savings.
Personal, helpful service
Getting a Mortgage doesn’t need to be daunting. You’ll work directly with one dedicated team member, from application to close.
The right Mortgage for your needs
We offer Fixed- and Adjustable-rate mortgages, VA Home Loans, new construction loans, and mortgages for second homes, investment properties, and first-time buyers.
Ready to start? Have questions?
Quick Help
Get a quote
Provide basic information and see monthly payment details and closing costs.
Find a mortgage loan officer
Choose who you want to work with.
Subscribe to rate watch emails
Let us keep an eye on interest rates so you don’t have to.
Mortgage resources
Find answers to all your mortgage questions.
Mortgage comparison
Provide us with some basic information and we’ll find the best mortgage for you.
Construction loans
Building a new home? We can help you every step of the way.
Learn more about buying a home
8 Steps of Home Buying (and How to Make Them Easier)
We break down eight of the most important steps of home buying and give you an easier way to complete them.
6 Modern Mortgage Myths You Shouldn’t Fall For
It’s important to know everything you can about home buying before you get started — that includes the myths. We’re going to clear up the common misconceptions for you.
Pre-Qualify vs. Pre-Approve: What’s the Difference?
When home buying, knowing whether to get pre-qualified or pre-approved could be the difference between landing your dream home and losing it to another buyer.
FAQs: You Asked. We Answered.
Mortgage Loans
How long will it take to process my loan application?
Processing your application can vary by lender and market conditions. The typical timeframe from application to closing ranges from 30 to 60 days.
What is a credit score and how will my credit score affect my application?
A credit score is one of the pieces of information that we’ll use to evaluate your application. Financial institutions have been using credit scores to evaluate credit card and auto applications for many years, but only recently have mortgage lenders begun to use credit scoring to assist with their loan decisions.
Credit scores are based on information collected by credit bureaus and information reported each month by your creditors about the balances you owe and the timing of your payments. A credit score is a compilation of all this information converted into a number that helps a lender to determine the likelihood that you will repay the loan on schedule. The credit score is calculated by the credit bureau, not by the lender. Credit scores are calculated by comparing your credit history with millions of other consumers. They have proven to be a very effective way of determining credit worthiness.
Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had outstanding credit, the types of credit you use, and the number of inquiries that have been made about your credit history in the recent past.
Credit scores used for mortgage loan decisions range from approximately 300 to 900. Generally, the higher your credit score, the lower the risk that your payments won’t be paid as agreed.
Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision and we never evaluate an application without looking at the total financial picture of a member.
How is my interest rate determined?
What loan programs do you offer?
I am a first time homebuyer. What loan programs do I qualify for?
Can I apply for a loan before I find a property to purchase?
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we’ll issue an approval subject to you finding the perfect home. We’ll issue a pre-approval letter online instantly. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-approval for a mortgage may give more weight to any offer to purchase that you make.
When you find the perfect home, you’ll simply call your Mortgage Loan Officer to complete your application. You’ll have an opportunity to lock in our great rates and fees then and we’ll complete the processing of your request.
Do you refinance existing mortgages?
Yes, we offer home loan refinancing. Please see our Mortgage Refinance page for more information.