Home Loans

Make the move to a home of your own

Whether you are buying your first home or refinancing, Accses lending specialists guide you from pre-approval to closing.

6.125%rate on a 30-year fixed (6.312% APR)

Why customers choose Home Loans

Digital pre-approval

Get pre-approved online in as little as 10 minutes.

Down-payment grants

Up to $10,000 for eligible first-time buyers.

Low down payment

Options from 3% down for qualified borrowers.

Rate lock

Lock your rate for up to 90 days while you shop.

Compare your options

Pick the one that fits today — you can switch any time.

15-year fixed

5.500%
rate · 5.746% APR
  • Build equity faster
  • Less interest overall
Choose this option

7/6 ARM

5.875%
rate · 6.701% APR
  • Lower intro rate
  • Adjusts after 7 years
Choose this option
Getting started

Up and running in three simple steps

  1. Tell us about yourselfApply online in about 5 minutes with your ID and contact details.
  2. Get a quick decisionMost applications are approved instantly — some take one business day.
  3. Start using your accountLog in to Online Access, add your card to your phone and you’re set.
Get pre-approved

Frequently asked questions

How much do I need for a down payment?

It depends on the loan, but many Accses programs start at 3% down.

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Have questions? Talk to a specialist.