Buying a Home

Visualize yourself in
your new home.

Buying a Home

Buying a home is one of the biggest financial decisions you will ever make. Our purchase loan process is straight forward. Whether you're buying your first home or tenth, our Relationship Loan Officers are here to help. When you're ready to get started, call us at 888-771-1114.

Homebuyer Resources

Special Purchase Team

Not sure what loan program is best for you? Contact our special purchase team, your designated Relationship Loan Officer will explain the different loan programs available so that you can make an informed decision. When you’re ready, we’ll process your loan application quickly so you can spend time on plans for your new home and not paper-work.

Locate a Relationship Loan Officer

Complimentary Pre-Approval

Our complimentary pre-approval letters are fully underwritten so you’ll know in advance exactly how much you can borrow. An authorized underwriter will qualify you up to a specific loan amount based on your income and credit information. Getting pre-approved shows realtors and sellers that you are serious. Whether you just started looking or you’ve found your new home, getting pre-approved is a great first step.

Pre-Approval vs. Pre-Qualification

Which mortgage option is best for you?

For new home loans, Fremont Bank offers low down payment options, a selection of fixed and adjustable rate mortgage programs, including No Closing Costs1 . Not sure which mortgage options are best for you? Contact us today to speak with one of our local and experienced Relationship Loan Officers, they will explain the features of the different loan programs so that you can make an informed decision.

Adjustable Rate Mortgage

Planning to stay in your home for only a few years? Then an Adjustable Rate Mortgage (ARM) might be perfect for you. An ARM loan normally offers a lower initial interest rate, after which the rate becomes adjustable for the remainder of the loan term. 

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Fixed Rate Mortgage

If you are planning to live in your home for a longer period of time, then a Fixed Rate Mortgage may be a good choice. Fixed rate mortgages protects you from rising interest rates and maintains the same monthly principle and interest payment for the entire term 

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FHA Loan

The Federal Housing Administration (FHA) loan is a popular loan for homebuyers looking to make a low down payment. It allows buyers to get a mortgage with a down payment as low as 3.5%. 

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Combo Home Loan

A combo home loan is a financing option that lets you purchase a property using two mortgages: a first mortgage and an equity line of credit. Your applications are processed together, streamlining the process with one convenient loan closing. Contact a Relationship Loan Officer to learn more. 

Locate a Relationship Loan Officer


1 No Closing Cost loans are subject to terms and conditions of Fremont Bank's Application Fee Agreement, which lists the specific costs and fees the borrower will not pay. An application fee may be required after a loan application is submitted, which will be refunded as a credit on your HUD-1 at closing. Application fee is non-refundable if your loan is denied, withdrawn, or does not close for any reason. Borrower is responsible for paying all fees and charges imposed by brokers or an existing third party lender (for example, payoff demand statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by any third party lender or Fremont Bank. Loans with lower nominal interest rates may be available to borrower willing to pay points and fees.


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