Mortgage Loans

Whether you’re purchasing your very first home or interested in refinancing your current one, Pathways has the product to make your home ownership goals a reality.

• Carry the same interest rate for the life of the loan – the most popular type of home loan
• Terms up to 30-years available
• Down payment requirements as little as 3%
• Predictable monthly payments
• Low, competitive interest rates

A great option for those who want a lower monthly payment initially but anticipate being able to afford higher payments in the future or those who plan to sell or refinance their home within the fixed period.

• Low, competitive interest rates
• Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
• Ask us about our popular 7/1 ARM!

• NO CLOSING COSTS to refinance under the Game Changer Mortgage*
• Lower your interest rate and potentially your monthly payment!
• Reduce the amount of time owed on your mortgage

*No closing costs due at the time of application.  Existing Pathways loans: closing cost fee of $1350 charged for all Pathways mortgage loans refinanced to a lower rate under Game Changer.

Pathways offers FHA (Federal Housing Administration) and VA (Department of Veterans Affairs) loans.

• Low or no down payment options
• Flexible credit requirements