The Power of Flexible Financing
Owning a home, regardless of property value, is an indication of personal achievement. That's why our team of experienced bankers is ready to work closely with you on your purchase or refinance opportunity to build on that success as one of the best capitalized banks in the Western region*.
Property Types to Fit your Lifestyle
We have the ability to offer a broad spectrum of residential loans to finance a range of home values, and we use common sense underwriting in our loan decisions.** Our team of veteran Home Loan Bankers know the local market and are able to accommodate our clients' needs:
- PRIMARY RESIDENCE
- SECOND/VACATION HOME
- INVESTMENT PROPERTY
Loan Amounts to Fit your Needs
Our veteran team of Home Loan Bankers are ready to help you find the right loan. We offer a variety of financing options including:
- Fixed and adjustable rate financing
- Various down payment options to minimize your upfront commitment
- Cash-out refinancing available to put cash back in your hands***
| |
MAX LOAN AMOUNT |
|
|---|
| LOAN TYPE |
1 Unit |
2 Units |
3 Units |
4 Units |
LOAN PROGRAM† |
|---|
| Conforming |
$417,000 |
$533,850 |
$645,300 |
$801,950 |
Wide Range of Fixed and Variable Rate Options |
| Conforming, High-Cost Areas†† |
$625,500 |
$800,775 |
$967,950 |
$1,202,925 |
Fixed and Variable Rate Options |
| Jumbo |
$2,500,000 |
Wide Range of Fixed and Variable Rate Options |
| Super Jumbo |
$5,000,000 |
Fixed and Variable Rate Options |
Common Sense Underwriting
Whether you are seeking to purchase or refinance, Opus Bank's veteran Home Loan Bankers will guide you through every step of the loan process, so everything runs smoothly. We're familiar with the local real estate market. Our common sense underwriting allows us to approve a loan that fits your needs.
TO LEARN MORE ABOUT RATES AND OPTIONS, CONTACT A HOME LOAN BANKER NEAR YOU
*Opus Bank has a 11.11% Tier 1 Leverage Ratio as of 12/31/2012
**Financing subject to credit and collateral approval by Opus Bank
***Loan-to-value restrictions apply
†Property type and use may require further down payment
††Conforming loan amount limits vary geographically as determined by the Federal Housing Finance Agency (FHFA).