Looking for a great purchase or refi opportunity? Look no further.

We offer great rates on all our mortgages. It's easy to find the right product for you.

Check out our rates

Ready to apply?

Apply now!

Everything you need to know about the 7/1 ARM

Qualified Property

One- to four-family residential owner-occupied purchase money, refinances or construction.

Max Loan to Value

Purchase - one-family 95% of sale price (two-family 85% of sale price; three- to four-family 75% of sale price).

Refinance - single family up to 80% of appraised value as "Cash Out."

  • One-family - 90% of appraised value for "Limited Cash Out."
  • Two- to four-family - up to 75% of appraised value as "Cash Out".
  • Two-family - 85% of appraised value for "Limited Cash Out."
  • Three- and four-family - 75% of appraised value for "Limited Cash Out."


15, 20, 25, or 30 Years

Escrow Account

Required when loan-to-value ratio is 80.01% or higher.
If less than 80% loan-to-value ratio, is based on credit worthiness.
PMI required when loan to value ratio is 80.01% or higher.

Payment Options

Bi-weekly or Monthly

Loan Amount

Minimum loan amount - $25,000

Maximum loan amount - $647,200; $970,800 for high cost areas as designated by Fannie Mae.*

*Jumbo loan amounts available to well-qualified borrowers. The interest rate is 0.25% higher than advertised rate

Interest Rate Change

Rate remains constant for the first seven years, then will change every year.

Annual Cap - Rate cannot go up or down more than 2%.

Floor Rate - Rate can never go below 3%.

Proof of home owner's insurance is required

Visions will not subordinate or agree to the assignment of any oil/gas/mineral rights lease to a third party.