First Mortgages

Get $500 off closing costs when you finance, or refinance,
your home with Sound!
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Get an average of $1,545 cash back when you buy or sell your home!  learn more>

There’s never been a better time to buy, or refinance, a home. Whether purchasing your first home or looking for a vacation or income property, with Sound’s various mortgage options and competitive rates, we’ll find the perfect loan for you.

Mortgage Options

Fixed Rate Mortgages
A traditional loan which maintains its original interest rate throughout the life of your loan. Choose from a 15- or 30-year term.

Adjustable Rate Mortgages (ARM)
After a fixed interest period, ARM rates may vary. Generally initial interest rates on ARMs are lower than a standard fixed-rate loan.

FHA, VA, and USDA Loans
FHA, VA, and USDA loans are great for first-time homebuyers or borrowers with limited cash, minor credit problems, or low-to-moderate incomes. These loans have low down-payment requirements, lower interest rates, and may also fund home improvements.

Why finance your home with Sound?

  • No application fee
  • Lower interest rates
  • Lower origination fees
  • Reduced processing time
Today's Rates Rate APR * Points
30-Year Fixed Rate 3.875% 4.053% .5
15-Year Fixed Rate 3.125% 3.455% .625
Adjustable RateContact us for current rates  
FHAContact us for current rates  
VAContact us for current rates  
Guaranteed Rural Housing (USDA)Contact us for current rates  
Keep an eye on rates via email and sign up for Rate Watch
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of May 8, 2017

Routing #: 325183220

Equal HousingNCUA