Get Your Mortgage in Order
No Menu of Options, No Confusion, and No Side of Indigestion: Our Loan Options Tailored Perfectly to You!
We’ve got loans for every type of homebuyer and a solution for every mortgage need. Feast your eyes on our lineup of loan options – we’ve got a solution for every mortgage need. From new first-timers to savvy real estate pros, we’ve got your back every step of the way. You’re in safe hands with Summit Mortgage.
Conventional – Fixed Rate
Fixed-rate mortgages offer buyers predictable monthly payments with an interest rate that will remain the same over the entire term of the loan. A fixed-rate mortgage is ideal for buyers who plan to live in their home for several years or longer.
The Federal Housing Administration (FHA) designed these loans to meet the needs of buyers with low or moderate incomes. With only a 3.5% minimum down payment required and flexible qualifying guidelines, this is a great option for young and first-time homebuyers.
VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA) to help qualified veterans, active-duty service members, and their spouses afford a home. 100% financing is available on qualified transactions without private mortgage insurance (PMI).
The US Department of Agriculture (USDA) offers low and no down payment mortgages for eligible rural and suburban homes. Buyers who live outside major metropolitan areas and are unable to secure financing for traditional mortgages may want to consider a USDA loan.
First-Time Homebuyer Programs
Down Payment Assistance
Buyers who don’t have the funds for a down payment can combine gift funds from friends and family, loans, grants, tax credits, and other financial sources to help lower the upfront cost of buying a home and maintain affordable monthly payments.
Some homeowners dream big. Others dream really big. A jumbo loan might be the best option if you need a loan that exceeds the normal mortgage, have a higher-than-average income, and a great credit score.
New Construction Loans
We’ve made refinancing simple for all types of homeowners. Summit Mortgage offers two types of refinancing options: Rate & Term Refinance and Cash-Out Refinance.
Home Equity Loans
A home improvement loan can help turn that fixer-upper into your dream home by rolling the purchase price of the property and the renovation cost into a single, low fixed-rate loan.
Discover the Perfect Loan Program for You without Breaking a Sweat!
At Summit Mortgage, we understand that everyone’s homebuying goals and needs are unique. Are you looking for a low down payment option? Are you a first-time homebuyer or looking to upgrade? Whatever it is, We have you covered. Our expert team will cut to the chase and ask all the right questions to tailor-fit the right loan program for you. So kick back, relax. You couldn’t be in better hands!
Mortgage Learning Center
Tips, tricks, hacks and more. We have a ton of articles and content to help you with your homebuying journey. We are like sherpas safely guiding you up the mountain. Take a few and digest some knowledge.
Buy or Refinance
Ready to own your dream home? Don’t be shy, let’s get pre-approved today with Summit Mortgage. It’s easier than finding the perfect avocado!
Stop renting and start owning! Say goodbye to throwing money away on rent each month and hello to building equity in your own home. Say goodbye to Landlords Today.
Ready to Secure Your Dream Home? Apply Now with Summit Mortgage and Get Pre-Approved in A Snap, Anytime, Anywhere!
Local Roots – Why Summit
Stop Swiping Left on National Lenders, Swipe Right on Local Roots – Summit Mortgage is Your Hometown Mortgage Solution Since 1992!
First-Time Buyer Programs and DPA
Ready to buy your dream home but don’t have the cash? Let Summit Mortgage get you pre-approved for a down payment program or a low down payment loan! Say goodbye to your landlord and hello to homeownership.
What’s My Rate – Real Time Rate Quote
Do you want to know the current interest rate? With our easy-peasy form, you’ll be on your way to mortgage nirvana faster than you can say “housewarming party.” Don’t be shy, give us a try!
Get to Know Us
Meet the Whole Squad! Get Personal with Our Team at Summit Mortgage Today!
Buydowns – Temporary vs Permanent
Ready to Buy(down)? Let us help you decide between temporary buydowns and permanent buydowns! Start your pre-approval today and feel confident in your mortgage options.
Be a Powerful Buyer
Get the Seller’s Choice with your pre-approval. Offer the seller a $10,000 guarantee or a Cash Offer if we don’t perform.
What We Do
Ready to Feel Smarter Than the Average Homebuyer? Visit Summit’s ‘What We Do’ Page Now! Discover all the mortgage options we offer, and leave the confusion at the door.
Follow us! You’ll be the first to know about exclusive giveaways, promotions, industry news, and expert tips and tricks. Plus, we like to have some fun, too! From hilarious homeownership memes to insider glimpses into our company culture, we promise to keep things light, engaging, and entertaining.
Home Search – HomeBot – Buyer
Need a little extra help with your home search? Try our FREE homebuyer search report. HomeBot Buyer Digest is your custom home search report for your next purchase.
Home Digest – HomeBot – Owner
What’s Homebot Home Digest? It’s just a full comprehensive report of your home wealth. Value, equity, sales comparison, trending information, loan positions, investment breakdowns, loan scenarios, realtor expert support, and much more in one report prepared once a month for you…for free.
Check out our Contact Us page for all our locations and ways to get in touch. Don’t worry, we won’t make you climb any actual mountains to get a great loan.
Join Our Team
Ready to summit to the top of your career? We’re looking for top-notch, fun-loving individuals who want to excel in a career full of growth opportunities and fulfilling experiences. Click now to join our team and take your career to new heights!
Mortgage Coach Presentation
Are you a visual person? We can prepare a full presentation breaking down all the details of a loan in a beautiful presentation that you can access anytime. We can compare multiple loan scenarios, give you rent vs own breakdowns, rate of return on your investment, and much more!