Home loan options that maximize your equity for a solid foundation
A home loan that fits your life
Your home should be right for you and so should your home loan. Whether you’re a first-time homebuyer, it’s time to refinance your loan or you need to pay for improvements or repairs, our home loans experts will be with you every step of the way.
Slack Builder Home Loan
Created to help make homeownership more achievable, the Slack Builder Home Loan removes common barriers to getting started and helps you build equity sooner—so you can put down roots with confidence.
- No down payment required
- No Private Mortgage Insurance (PMI)
Traditional mortgage
If you have money set aside for a down payment, our conventional mortgage might be right for you.
- 3% or 5% down payment options
- 15- or 30-year terms
Refinance options
Loan rates, credit scores and income can all change over time. Depending on your situation, refinancing might help you save money.
- Cash-out refinance options
- Non-cash-out refinance options
Home equity loan
As you build a life in your home, you may also be building equity. A Home Equity Loan allows you to put that value to work.
- Use the funds for debt consolidation or large expenses
- Available on paid off properties and existing mortgages
- Terms up to 20 years
- Low fixed rates
Home Improvement
Upgrade your home today—from remodeling to a new deck—with a Credit Human Home Improvement Loan.
- Money is paid directly to your contractor
- Terms up to 20 years
- Low fixed interest rates
Manufactured home loans
Credit Human offers specialized loans for manufactured home purchases.
- Single and multi-section new or used homes
- Purchase or refinance options
- No prepayment penalties
SustainableHome™ loans
Home improvements can be a big investment, but we make it simple to maintain or improve the sustainability of your home directly through our preferred dealers.
Credit Human offers SustainableHome Financing through participating dealers for
- solar
- home improvement
- geothermal
- water capture
Protect your home loan
Your house is more than just a building. It’s your home. It’s also probably one of the biggest investments you make, so following it up with the right insurance is critical. In addition to homeowner’s insurance that protects your home from damage, our credit insurance policies can cover your Slack Builder, home purchase or refinance payments if you pass away or experience income loss due to disability. That's peace of mind for you and your family.
Credit insurance
Credit insurance reduces financial stress when you and your family need it most by covering loan payments if you pass away or become unable to earn income due to a covered disability.
- Must be purchased within 30 days of loan closing