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Start your loan with a 3.99% rate and lock in at 5.99% or get up to $10,000 in Flex Cash! 


Do you have rate commitment issues? Don’t let that stop you from buying your dream home! Shop for your home at a rate starting from 3.99% and get lower payments at the beginning of your home loan, then secure your 15-year term at our discounted rate of 5.99%.


Or take advantage of our limited time offer and receive up to $10,000 in Flex Cash** to use however you need! Put it towards closing costs, options, and more.  

2-1 buydown 15 year terms - transparent-1


  • Conventional, FHA, USDA, and VA conforming loan products
  • Fixed rate loan options only
  • Purchase transactions


Rate effective as of 12/20/2023. Rate available for a limited time only for well-qualified borrowers as of 07/15/2024 with a credit score of 740 on select homes that are under contract by August 31st through lender partner. APR of 6.174% assumes a $300,000 purchase price, 360 payments, fixed rate conventional loan with 20% down, included in APR. Loans with less than 20% may require mortgage insurance. If mortgage insurance is required, your monthly payment may increase. Estimated monthly payment does not include taxes, homeowner's insurance, or HOA fees. If applicable, your payment may be greater. All borrowers are subject to property and credit approval, underwriting requirements and approval and other lender terms and conditions. 

*Monthly payment amounts are reduced due to being partially prepaid. This offer should not be construed as investment or mortgage advice, or a commitment to lend. Information included is for information purposes only. For actual/current terms and rate information, please contact your loan officer directly. 


** Flex cash amount varies based on market. MO home buyers are eligible for up to $2,500 on select homes, AR homebuyers are eligible for up to $10,000 on select homes, total amounts offered may vary.