Take the Stress Out of Homebuying
Low-rate financing from Raiz can get you the house of your dreams without depleting your bank account.
Overview
Buying a new home is a big deal, but it doesn't have to feel that way for your bank account. With a low-rate mortgage loan from Raiz, you can save money and purchase the home of your dreams without the hassle.
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Features
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Low Rates
Save more money on your loan with lower rates compared to many other financial institutions.
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Low Down Payment Options
You don't need to come up with 20% to purchase a house. Keep your bank account intact when shopping for a home.
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Quick Closings
Don't wait around to buy your home. We offer quick closings within 30 days or less, so you can purchase your dream house right away.
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Local Service
Our mortgage agents understand the regional housing market because they are local. All our underwriting is done right here in our office.
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And more
Mortgage Payment Calculator
Homeowners Insurance: 100
Mortgage Insurance: 167
Save Money on Your Mortgage Loan
Buying a home is one of the biggest purchases you can make, but that doesn't mean you have to break the bank. Enjoy a mortgage loan with lower rates than many other financial institutions.
Trust Your Mortgage Loan to Someone Who Knows the Area
When it comes to likely the largest purchase you'll make, put your trust in someone who knows the local housing market. Raiz experts are all local to ensure you get the best service and advice to help you make the best decision for your homebuying goals.
Why Choose Raiz?
Our financial experts are some of the best, but really our motivation is you. Here is what we are doing to today to reach a brighter tomorrow.
We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.
Your money never sleeps, and neither do we. Raiz members have access to their digital banking 24/7 and online support chat to help with all your banking needs.
We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.
Start your financial journey today.
Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.
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1
Complete an Application
It takes only minutes to fill out the online application.
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2
Get Approved
We'll crunch the numbers and let you know if you're approved.
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3
Buy Your New Home
Use the funds to purchase the home of your dreams.
Have a question?
We’re happy to help you every step of the way!
Chat with us
Start live chatChat live with a team member who can quickly help answer your question.
Meet with us
Schedule an appointmentSchedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.
Simplify the Homebuying Process
Purchasing a home is a big deal. Likely one of the most expensive purchases you can make! Get your mortgage loan from the experts at Raiz and benefit from local knowledge and lower rates compared to many other financial institutions.
Advanced Options
Property Tax Rate
The tax that you are required to pay as a property owner levied by the city or municipality. Lookup your county rate or state average rate for a more accurate calculation.
Homeowners Insurance (Monthly)
The standard insurance policy that covers damage to your property and the things you keep in it. The average annual homeowners insurance premium is around $1,200.
HOA Fees (Monthly)
These are dues that are used by a homeowners association toward maintenance of common areas used by all homeowners in a housing development or complex.
Private Mortgage Insurance Rate
The premium for the insurance policy for FHA loans and conventional mortgages if your down payment is less than 20%. PMI typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Only calculated if down payment is less than 20% of mortgage amount.
Disclosure
This calculation represents an estimate. Calculation does not factor credit score. Default input values are estimates.
More Features
Low Rates
Save money on your mortgage with lower rates than many financial institutions.
Variable and Fixed-Rate Loans Available
Choose the mortgage that works for your budget and goals with variable and fixed-rate loans available.
Low Down Payment Options
You don’t need to come up with 20% to purchase your new home. We offer low down payment options to fit your budget.
Jumbo Loans
Borrow more to afford a house in a higher price range with jumbo loans available up to 100% LTV.
Variety of Repayment Options
Get more control over your monthly and total payment with a variety of repayment options.
Quick Closing Times
Purchase your new home even faster with quick closing times.
Local Service
All our agents are local, so they understand the local housing market for more personalized and knowledgeable service.
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