Mortgage Options

Finance the purchase of your home and avoid surprises with a Nusenda fixed-rate mortgage. Lock in the interest rate that works best for you based on 10-, 15-, 20-, 25-, and 30-year terms.

A hybrid adjustable-rate mortgage (hybrid ARM) blends the safety of a fixed-rate mortgage with the lower rates available on an adjustable-rate mortgage. This mortgage will have a fixed term for the first ten years of the 30-year term, followed by adjustable rates that reset every 12 months. A 10/1 Hybrid ARM will typically have a lower rate than Nusenda's 30-year fixed rate loan.

A 5/5 adjustable-rate mortgage (ARM), is a mortgage that has as fixed mortgage rate for the first five years of a 30-year term, and after that the rate becomes variable and adjusts every five years. A 5/5 ARM will typically have a lower rate than Nusenda's 30-year fixed rate loan.

A 15/15 adjustable-rate mortgage (ARM) is a unique type of mortgage that will have the lower payment associated with a 30-year term, with a fixed interest rate for the first 15 years. It then adjusts once and remains at that rate for the remaining 15 years of the loan. A 15/15 ARM will typically have a lower rate than Nusenda's 30-year fixed rate loan.

Is the prospect of having to save up for a large down payment preventing you from buying your dream home? FHA mortgages (also known as FHA-insured loans or U.S. Federal Housing Administration insured mortgage loans) are designed with your needs in mind. Tailored for the specific financial situations of many first-time home buyers, an FHA mortgage offers fixed or adjustable rates, 15- or 30-year terms, and requires only a 3.5% down payment if you qualify. Note that home value limitations vary by county.

If you're a qualified veteran, reservist and/or on active duty, you're eligible for Veteran's Administration (VA) mortgage loans through Nusenda. As a thank you for serving our country, you have access to competitive interest rates and 100% financing — no down payment required. Most veterans also qualify to have their loan origination fees waived.

Dream big with Nusenda jumbo mortgages, which maximize your home purchasing power with loan amounts up to $1,250,000. Our mortgage loan officers can help you secure the best home loan for your needs, such as our 5/5 ARM mortgage with low monthly payments and the stability of a longer reset period. With a jumbo mortgage from Nusenda, you can access up to 80% LTV for your loan amount. Your mortgage loan also increases your ability to earn cash rewards through our Earn Your Return program.