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Mortgage

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Home Loans

Choose the right loan for your home or property with a Wescom Mortgage, where you can get closing discounts on your first mortgage as a Signature Member.* Plus, we lend in 50 states!

*Signature Membership terms and conditions apply.


Featured

30 Year Fixed** From $50K to $647,200
Rate 7.000%
APR 7.049%
Points 0
15 Year Fixed** From $50K to $647,200
Rate 6.000%
APR 6.175%
Points 0.625
Rate APR Points
30 Year Fixed** From $50K to $647,200 7.000% 7.049% 0
15 Year Fixed** From $50K to $647,200 6.000% 6.175% 0.625
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Fixed Rate Home Loans

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Conforming Fixed Rates ($50,000 – $647,200) **
Jumbo Fixed Rates ($647,201 – $5,000,000) ***

Adjustable Rate Home Loans

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Conforming Adjustable Rates ($50,000 – $647,200) ***
Jumbo Adjustable Rates ($647,201 – $5,000,000) ***

**These rates are based upon the following assumptions; purchase or limited cash-out refinance transaction, 660 FICO, primary occupancy, 60% LTV/CLTV, and property type is a 1-unit single family residence. Other rates and terms available upon request. Please click “Apply Now” and “Check Rates” for details.

***These rates are based upon the following assumptions; 660 FICO, primary occupancy, 60% LTV/CLTV, and property type is a 1-unit single family residence. Other rates and terms available upon request. Please click “Apply Now” and “Check Rates” for details.

Conventional and Jumbo Home Loans

We know that when it comes to securing a loan for your dream home, one size does not fit all. Whether you’re looking to purchase a new home or refinance a current property, Wescom offers fixed and adjustable rate mortgages for loan sizes ranging from $50,000 to up to $5,000,000.


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1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
2 The rate and APR is fixed for the first five years and adjusts annually thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
3 The rate and APR is fixed for the first seven years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
4 The rate and APR is fixed for the first ten years and adjusts annually thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 2.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.
5 The rate and APR is fixed for the first fifteen years and adjusts once thereafter. The rate adjustment will not exceed 6.00%. The maximum rate and APR increase over the life of the loan period is 6.00% from the start rate. Monthly payments may increase corresponding to the change to the rate.


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Disclosure

1 The special offer adjustable rate mortgage is available on single-family, primary residences only. A minimum FICO Score of 720 is required. Maximum loan amount of $1,000,000. Maximum LTV/CLTV 75%. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

2 The rate and APR is fixed for the first five years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 2.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

3 The rate and APR is fixed for the first seven years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

4 The rate and APR is fixed for the first ten years and adjusts every 6 months thereafter. The initial rate adjustment will not exceed 5.00% and each subsequent rate adjustment will not exceed 1.00%. The maximum rate and APR increase over the life of the loan period is 5.00% from the start rate. Monthly payments may increase corresponding to changes to the rate.

5 The rate and APR is fixed for the first fifteen years and adjusts once thereafter. The rate adjustment will not exceed 6.00%. The maximum rate and APR increase over the life of the loan period is 6.00% from the start rate. Monthly payments may increase corresponding to the change to the rate.

Loan programs, rates, terms and conditions are subject to change without notice. Not all applicants will qualify. Call us at 1-888-4WESCOM (1-888-493-7266) for current rates, terms and conditions.

Mortgage insurance is required for any loan to value over 80%. Interest rates, payments, insurance, terms and availability of the loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing.

Monthly principal and interest and estimated taxes, mortgage insurance and hazard insurance are included in the payment. Interest rates, payments, terms and availability of this loan program, and the sales price, are examples only and are subject to change without notice. Interest rates may not be available at time of loan commitment or closing.

How to Apply for a
Home Loan

Any way you look at it, the decision to buy a house is yours and yours alone. First, make sure that it's financially feasible.

Can you pay the up-front costs of purchasing a house, as well as the ongoing monthly mortgage and other living expenses? We've provided a wide range of calculators for you to use to determine some preliminary answers. Plug in your figures and see if it all adds up.

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Our team of experienced loan professionals will be with you every step of the way as you work to finance your property.

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