Find the loan program that works for your home
Whether you're buying your first home, refinancing, or building equity faster, Redwood Crest Mortgage has a program designed with your situation in mind. Let's explore options that align with your goals.
Mortgages built for different journeys
Every homeowner's path is different. We've developed flexible loan programs to match where you are and where you want to go. Each program is structured to give you clarity on costs, flexibility in terms, and support throughout the process.
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Fixed-Rate Mortgages
Your interest rate stays the same for the life of the loan. Predictable monthly payments make budgeting easier, and you're protected if rates rise. This is the steady choice for homeowners who value certainty.
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Adjustable-Rate Mortgages
Start with a lower initial rate that adjusts after a set period. If you plan to refinance, relocate, or pay down your principal quickly, this program can work in your favor while keeping early payments manageable.
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Refinance Programs
Already a homeowner? Refinancing can lower your payment, shorten your loan term, or tap into your home's equity. We'll walk you through the process and help you understand whether it makes sense for your situation.
Why Homeowners Choose Us
Real people, real service, real results
Behind every mortgage is a family's story. We've helped first-time buyers move into their dream neighborhoods, parents refinance to fund their children's education, and families build the equity they deserve. What sets us apart isn't just our products, but how we work with you. Our specialists take time to understand your financial picture, answer your questions honestly, and explain every step. We believe transparency builds trust, and trust is the foundation of any good partnership. When you work with Redwood Crest Mortgage, you're not just getting a loan, you're getting a partner who's committed to your long-term financial health.
How Our Process Works
Understand your options
Before you fall in love with a home, let's explore what's possible. We'll discuss your income, savings, and goals to give you a realistic picture of what you can afford and what loan programs might suit you best. This conversation takes the pressure off house hunting and lets you search with confidence.
Complete your request
Once you've found the right home or decided to refinance, we'll guide you through the application. We've streamlined this step to minimize paperwork while gathering what's needed to move forward. Our team is available to answer questions as they arise.
From approval to keys in hand
After your application is submitted, we review your finances and property details. If approved, we'll schedule your closing, where final documents are signed and funds are transferred. Our closing specialists ensure you understand every detail before you sign.
Understanding rates and terms
Mortgage rates change daily based on market conditions. The information below reflects typical market scenarios and is provided for educational purposes. Your actual rate will depend on your credit profile, loan program, down payment, property location, and other factors. Contact us for a personalized rate quote.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-Year Fixed-Rate Mortgage Stable payment over three decades with rate protection | 6.500% | 6.625% |
| 15-Year Fixed-Rate Mortgage Build equity faster with shorter loan term and lower total interest | 5.750% | 5.900% |
| 7/1 Adjustable-Rate Mortgage Lower initial rate for seven years, then adjusts annually thereafter | 6.250% | 7.125% |
These examples assume a purchase price of 400,000 dollars with a 20 percent down payment, property taxes and homeowners insurance included where applicable, and are for comparison purposes only.
Rates and terms are subject to change without notice. These are illustrative examples only and do not constitute an offer or commitment. Your actual rate, payment, and terms depend on your creditworthiness, income verification, property appraisal, loan amount, down payment percentage, and other underwriting factors. Please contact our team for a personalized quote based on your specific situation. All products are subject to credit approval.