Why?  Because buying a home should be exciting, not intimidating.

Confused about which home loan package is right for you? We can help – we have a lot of options, and our mortgage experts can offer easy-to-understand explanations and guidance so you can determine which program best suits your needs. Click to view our current rates.

Benefits of a home loan with Emprise:

• Available for construction, purchase, and refinance
• A variety of maturity options
• Fast prequalifications – shop for your home with the peace of mind knowing you can afford the mortgage
• Quick approvals
• Loans are processed, underwritten, owned, and serviced by Emprise

A fixed rate loan is a good choice for borrowers who do not want their principal and interest payments to fluctuate over the life of their loan. The interest rate on a fixed rate loan will never change. People who plan to stay in their home for a long period of time often select a fixed rate.

Biweekly Payments Option: If you choose a fixed rate loan, you may want to consider a biweekly payment option. Biweekly payments will shorten the term of your loan and save you money. 

A variable rate loan generally has a lower initial interest rate than a fixed rate loan. The rate is set for a specific period of time and then it fluctuates – up or down – based on an index and market conditions. Principal and interest payments will adjust accordingly when the rate changes. People who want lower payments or who do not plan to live in their house for a long period of time might consider a variable rate.

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