First Time or Experienced, We Have
the Tools For You
We offer everything you need to research and apply for your
first mortgage. Experienced homebuyers will find tips for knowing
when and how to refinance your home mortgage. Plus, you can apply
online and receive a quick decision.
Which Mortgage Best Fits Your Situation?
A Fixed-Rate Mortgage is the
most popular program, offering the stability and consistency of
predictable monthly principal and interest payments for the life
of the loan. If you expect to live in your new home for an extended
period, or if you want to lock in the current interest rate, this
may be an excellent choice for you.
The Adjustable Rate Mortgage is
an increasingly popular alternative to the conventional fixed rate
mortgage loan for homeowners trying to get the most home for the
lowest payment. Although it offers lower initial mortgage payments,
the monthly payment could increase over time. This rate may be most
appropriate for people who plan to live in the residence for five
to seven years, or who anticipate income increases during the life
of the loan.
Jumbo Loan Mortgages are for homebuyers
looking to finance the home of their dreams. With mortgage programs
up to $2 million, Wachovia offers fixed rate for mortgages over
$359,650, as well as adjustable rate mortgages.
Community Lending Programs can
help homebuyers with modest incomes and limited savings turn the
dream of homeownership into a reality. These programs are easier
to qualify for than conventional mortgages, offering relaxed credit
guidelines and qualifying rules, no or low down payment, assistance
with closing costs, and lower monthly payments.
For more information, visit our mortgage
product comparison chart to view and compare all of our available
mortgage programs.
