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Mortgage Options

Start with a conversation.

We’ll meet you at whatever stage you’re in today and help guide you toward where you want to go, whether you’re ready to buy or just beginning to explore your options.

Talk to a Loan Officer See Available Programs

Choose Your Path

Buying your first home

Wondering where to start? Not sure if you're ready for pre-approval? We'll explain what it is, why it matters, and help you understand your options before you begin shopping.

See the step-by-step home loan process

Planning Ahead

Buying, selling, or refinancing? Whether you're moving, refinancing, or tapping into your home's equity, explore your options and plan your next step with confidence.

Explore Your Next Move

Finding the Right Loan

Looking for a loan that fits your situation? From FHA and VA loans to construction, renovation, jumbo financing, and community lending programs, we'll help you find the option that's right for you.

Compare Loan Options

Mortgage Programs

Conventional (Fixed & ARM)

Conventional loans are a great option for many homebuyers, offering competitive rates, flexible terms, and both fixed-rate and adjustable-rate mortgage (ARM) options. Compare your choices to find the loan that best fits your goals.

View Today's Rates Compare Fixed & ARM Loans

FHA Loans

FHA loans can make homeownership more accessible by offering flexible credit requirements and lower down payment options for qualified borrowers.

FHA loans are insured by the Federal Housing Administration and can be a great option for first-time homebuyers or borrowers who may benefit from a lower down payment or more flexible credit requirements.*

Benefits

Low down payment options
Competitive fixed interest rates
Flexible credit guidelines
Lower closing costs
Available for eligible purchase and refinance transactions

*Loan amounts must be within FHA lending limits for your county and property type.

VA Loans

VA loans are available to eligible veterans, active-duty service members, reservists, and qualifying surviving spouses, offering flexible financing designed to make homeownership more affordable.

Benefits

Up to 100% financing for eligible borrowers
No monthly mortgage insurance (PMI)
Competitive interest rates
Flexible repayment options
Limited down payment requirements

Construction & Renovation

Whether you're building from the ground up or transforming the home you already own, we offer financing options designed to help bring your vision to life. Our loan officers can help you determine which solution is the best fit for your project.

Building a New Home Renovating a Home

Jumbo Loans

Looking beyond conventional loan limits? Jumbo loans are designed for higher-value homes and unique financing needs. With local decision-making and experienced loan officers guiding the process, we'll help you find a financing solution that works for your goals.

Benefits

Financing above conventional loan limits
Flexible down payment options for qualified borrowers
Competitive rates
Local processing, underwriting, and closing
Personalized service from start to finish

Talk to a Loan Officer

Community Lending & Down Payment Assistance

Buying a home may be more attainable than you think. We'll help you explore grants, down payment assistance, community lending programs, and other resources designed to help eligible buyers achieve homeownership.

Explore Community Lending Down Payment Assistance Programs

Planning Your Next Move

Buying and selling at the same time?

Whether you should buy first or sell first depends on your situation. We'll help you understand your options, create a timeline, and build a plan that works for you.

Talk to a Loan Officer

Could refinancing save you money?

Whether you're looking to lower your monthly payment, shorten your loan term, or tap into your home's equity, we'll help you determine if refinancing makes sense for your goals.

Explore Refinancing

Put your home's equity to work.

Whether you're planning renovations, consolidating debt, or covering a major expense, we'll help you compare a Home Equity Loan and HELOC to find the right fit.

Explore Home Equity Options

Estimate before you decide.

Use our mortgage calculators to estimate monthly payments, compare loan options, and better understand what you can afford.

Calculators

More Than a Mortgage

At The Equitable Bank, we believe the mortgage process should feel straightforward and personal. That's why you'll work with local professionals who take the time to understand your goals, answer your questions, and guide you from application to closing.