Home Mortgage Loans
Found the house that's just right for you? Now get the loan that fits your budget! If you're buying a home or want to refinance your current home, we can provide you with competitive rates and customized financing options to help close the deal. We offer special options for first-time homebuyers and will be with you every step of the way.
- Summary
- Purchase or refinance
- Competitive rates
- Fixed and adjustable rate mortgages (ARMs)
- Various terms
- Pre-approval available
- Free 30-day rate locks
- No hidden or junk fees
- Jumbo loans available
- First time homebuyers programs with 3% down payment
- Low down payment options
- Automatic payment transfers available
- Personal service
- Local decisions, underwriting, and management
- Immediate and accurate approvals
- Home Loan Options
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Refinance your Home
Looking to pull some equity out of your current home to remodel or pay off some high interest debt? Perhaps you are looking for a better interest rate to lower your monthly payments. Whatever the reason, Sound Community Bank can help you choose the best loan to meet your refinance needs. We have great rates and low fees. Apply now!
First Time Homebuyers
Buying your first home is a big step. But don't worry; you're not alone! We can help you get into your dream home with as little as 3% down with My Community Mortgage.
This unique program was designed for first time homebuyers and those with limited credit history, income, and down payment options. With significantly reduced mortgage insurance requirements and up to 6 months job loss protection, My Community Mortgage makes owning your home easy and affordable*. Get pre-approved today for up to 97% financing with loan terms up to 30 years.
*Certain qualifications and restrictions apply. Speak to a Loan Officer for details.
Second Mortgage
A Sound Community Bank fixed rate second mortgage allows you to use your home as collateral. Borrow amounts range from $5,000 to $100,000 and we will lend up to 100% of the appraised value less the first mortgage balance. Look forward to predictable payments with our fixed rate loans.
Manufactured Home Mortgage
We offer several benefits when purchasing a manufactured home. A lower interest rate applies if payments are transferred from Sound Community Bank checking account (available only on fixed rate products) and there are no pre-payment penalties so you can pay your balance down anytime to reduce interest costs. In many cases the interest you pay on your mortgage is even tax deductible.
Floating Home Loan
Live on the water here at the Puget Sound. We offer financing for this unique home experience. Read more about them here.
All our loans are subject to credit approval and qualifications. Select the button above to start the application process, or contact us for more details on all our lending products. We offer free pre-approval so apply today and be on your way to home ownership!
Construction Loans
Let us help you turn your blueprints into a reality. Our experienced loan team can provide your business with the short-term financing you need to get your project completed smoothly and efficiently.
- Short-term loan option
- Smooth transition to permanent financing
- Consolidated closing costs save money
- Flexible loan terms during construction
