Home Mortgage Loans
What Inspire Offers
Let Inspire help make your first purchase, or refinance your current mortgage – our expert inhouse mortgage specialist is always available to answer your important questions.
Are you ready to become a homeowner? Explore the process, costs, and benefits of home-ownership, the importance of credit, and the different types of mortgage options available to you.
Federal Housing Authority Loans (FHA)
Conventional Fixed Rate Loan
Adjustable Rate Mortgage Loan (ARM)
Veteran Affairs Loan VA
Fixed rate loan that is available to eligible members of the armed services. This loan is backed by the Department of Veteran Affairs. Available option for 100% financing, eliminating a down payment.
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*ARM=Adjustable-Rate Mortgage. Rates and terms will vary based on an applicant’s credit worthiness. All applicants are subject to approval. 5/5 ARM – rates are based on the 5-year Treasury Note rate plus a margin; loan interest rate will adjust one time each fifth year based on the index plus a margin. 7/1– rates are based on the 1-year Treasury Note rate plus a margin; rate will be fixed for 7 years and adjust annually after the initial fixed rate period based on the index plus a margin. 10/1– rates are based on the 1 year Treasury Note rate plus a margin; rate will be fixed for 10 years and adjust annually after the initial fixed rate period based on the index plus a margin. At the time of each adjustment the monthly payment obligations may change based on the adjusted interest rate. Adjustments will not exceed 2% of the then current interest rate and may not exceed 6% of the original interest rate through the term of the loan.
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