Investment or Non-owner Occupied Mortgages

Let’s build your real estate portfolio.

Keep the cash flowing

Whether you’re looking to invest in real estate or manage multiple properties, our mortgage options are designed to help keep your cash flow positive and your investment portfolio growing.

Benefits

Purchase and refinance loans

Ready to expand your portfolio or refinance an existing property? We can help with competitive rates and terms that work for you.

Up to 4 units

Financing is available for properties with up to four units, giving you the flexibility to invest in multi-family homes.

Conventional fixed-rate options

Prefer stability? Our long-term, conventional fixed-rate mortgages offer peace of mind and predictability for properties in your name.

Portfolio loan options

Need something more flexible? Choose from fixed or adjustable-rate portfolio loans, whether it’s a personal property or it belongs to an LLC.

Rental income counts

You may be able to use rental income from the property to help qualify for your mortgage and boost your buying power.

Current Rates

Investment Property Mortgages
Type^1,²	Term	Rate	APR
Rates effective 10/09/2024
APR = Annual Percentage Rate. Rates can vary according to individual loan situations. Rates and lock periods are subject to change. The payment amount may be higher if escrows for property taxes, homeowner’s insurance, or mortgage insurance are applicable. Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated. Adjustable Rate Mortgages (ARMs) begin with a fixed rate and adjust upward or downward after the initial fixed term. ARM products contain two numbers. The first number refers to the number of years the interest rate at closing remains fixed. The second number is the number of years between interest rate changes after the initial fixed term expires.
Type^1,² Fixed rate	Term 30 Years	Rate 6.875%	APR 6.913%
Type^1,² Fixed rate	Term 20 Years	Rate 6.625%	APR 6.675%
Type^1,² Fixed rate	Term 15 Years	Rate 6.500%	APR 6.562%
Type^1,² Fixed rate	Term 10 Years, 25-Year Amortization	Rate 7.000%	APR 7.043%
Type^1,² 3/1 adjustable rate	Term 10 Years, 25-Year Amortization	Rate 6.000%	APR 6.878%
Type^1,² 5/1 adjustable rate	Term 10 Years, 25-Year Amortization	Rate 6.250%	APR 6.811%
Type^1,² 7/1 adjustable rate	Term 10 Years, 25-Year Amortization	Rate 7.000%	APR 7.125%

You might also be interested in:

Second or Seasonal Property Mortgages

Thinking about a second home? It could be one of your best decisions yet and a smart investment that gives you your very own getaway spot to enjoy whenever you like. It could even bring in some extra income.

Learn more and apply

Jumbo Mortgages

Our Jumbo Mortgage is designed for properties that are valued over the federal loan limit of $766,550. Whether you’re buying a luxury home or refinancing an existing one, we’re here to provide the financing you need with competitive rates and flexible terms.

Learn more and apply

Get funding for your investment property

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866.805.6267

Disclosures

1.: APR = annual percentage rate. Payment examples do not include amounts for taxes and insurance premiums and actual payment obligation may be greater than illustrated.
2.: APR = annual percentage rate. Fixed rate mortgage payment example: A fixed rate loan of $180,000 for 30 years at a 5.750% interest and an APR of 5.786% is a $1,050.43 monthly payment. Adjustable rate mortgage payment example: The adjustable rate mortgage is a variable rate loan; interest rates and payments may increase after the original fixed-rate period. Your interest rates and payments may increase after the original fixed-rate period. A loan for $180,000 at a 5.625% initial interest rate and APR of 6.48%, subject to increase, will have the following monthly payment: 300 payments of $1,178.22 at an interest rate of 7.00% based on the current index plus a margin.

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