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Explore Your Mortgage Home Loan Options

Find out which home lending option works for your financial needs and goals. Whether you're buying a home or refinancing, Valzure has the mortgage for you.

What type of mortgage is right for me?

When choosing between an adjustable-rate mortgage (ARM) or a fixed-rate mortgage, there are generally 3 key things to consider:

  • Loan payments and interest
    If you want a consistent loan and interest payment for the life of the loan, choose a fixed-rate mortgage
  • How long you'll live in the house
    If you plan to only be in your home for a short time (like a starter home), the initial lower interest rate of an ARM may be a good choice
  • Consider your future expenses
    If you anticipate having more expenses in the future, you may enjoy the protection against rising interest rates that a fixed-rate mortgage offers. If you anticipate having fewer expenses, you may consider an ARM to qualify for a higher loan amount or to get a lower initial rate, understanding your payment would increase if interest rates rise
Get your personalized rate quote

Compare all your Valzure Bank mortgage options

Valzure Bank offers a range of home loan options to fit your life and budget.

Fixed-Rate Mortgages have the same monthly payment for the life of the loan.

  • Stability of the same payment every month
  • Protection from interest rate increases
  • Good option for long-term homeowners
  • 15- or 30-year terms

Adjustable-Rate Mortgages offer an initial fixed-rate term of 3, 5, 7, or 10 years.

The interest rate may change at set intervals after the initial fixed term.

  • Lower initial interest rate and payment
  • May qualify for a higher loan amount
  • Take advantage of falling interest rates without refinancing
  • Good option for short-term homeowners

Cover the costs of building a new home or renovate an existing property with a construction to permanent loan.

  • One closing at start of construction
  • Ability to lock in your interest rate when you apply
  • Interest-only payments during construction phase
  • Automatically converts to permanent mortgage after construction phase
  • Available in fixed-rate or adjustable-rate terms
  • Available for 1–4-unit primary residences and 1-unit vacation homes

Ideal for financing larger purchase and refinance transactions where the mortgage amount exceeds the Federal Housing Finance Agency conforming loan limit.†

  • Can be used for a purchase or refinance
  • Available in fixed-rate or adjustable-rate terms

Programs that require as little as 3% down payment.

  • Unique private mortgage insurance (PMI) plans that can help you lower your monthly payment or qualify for a higher loan amount
  • Down payment and closing costs may come from gifts, grants or a Community Second Mortgage

Each program has different requirements around down payment, home buyer education, and if you must be a first-time home buyer

Available for active-duty military, veterans and spouses who meet eligibility requirements.

  • No down payment required – finance 100% of the purchase price
  • VA Funding Fee applies in lieu of standard mortgage insurance
  • 30-year fixed-rate term
  • Purchase and cash-out refinance options
  • Homebuyer education not required

Down payment as low as 3.5% for purchase transactions.

  • Mortgage Insurance Premium (MIP) applies and may be less than standard mortgage insurance
  • No income limits
  • 30-year fixed-rate term
  • Available for 1–4-unit properties
  • Homebuyer education not required

Specifically designed for doctors, dentists, residents or fellows who are less than 10 years out of residency.

  • Low to no money-down options with verified income
  • No private mortgage insurance (PMI) required (even if you put down less than 20% at closing)
  • Available for purchase and refinance of primary residence
  • Not required to be a first-time homebuyer

Key features

Benefits

Terms & additional requirements

Fixed-Rate Mortgage

Adjustable-Rate Mortgage (ARM)

Construction Mortgage

Jumbo Mortgage Loan

Affordable Low Down Payment Home Loans

VA Mortgage

FHA Mortgage

Medical Professional Mortgage

Get your personalized rate quote

Use Valzure Home Loan Match to see rate and payment options to help you find the best loan to purchase a home or refinance a mortgage.

Calculate my rate

Refinance your mortgage

Refinancing your current mortgage can help you meet your financial goals.

Find out more about refinancing with Valzure Bank

  • Lower your monthly payment

    • Free up money that you can save, invest or use for other expenses
    • Option to refinance to a lower rate or a longer term

  • Get cash out

    • Pay off debt, cover a major purchase or finance other goals
    • Use the equity in your home to secure a new mortgage

  • Pay off your loan sooner

    • Reduce your total interest payment by paying off the loan sooner
    • Switch to a shorter-term mortgage

Begin your mortgage journey now

  • Online 

    The fastest way to get started with your mortgage application

    Apply now

  • By phone

    Talk with a Home Lending Loan Officer today

    1-866-325-4516 1-866-325-4516

  • Find a Mortgage Loan Officer

    Connect with a Mortgage Loan Officer in your area

    Search now

Loans subject to credit approval. Equal Housing Lender  | Member FDIC

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