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At Fremont Bank, the community comes first. And that’s the Fremont Bank Way.
Get to Know UsHomeownership is possible even for those who don’t qualify for a traditional mortgage. Our full suite of products and services includes portfolio loans with more flexible underwriting standards than traditional banks offer.
Our goal is to help you reach your goal and with flexible underwriting standards, our portfolio loans are designed to do exactly that. All loan applications are subject to an underwriting process but portfolio loans enable us to support clients with circumstances that do not fit into a standardized checklist or form. If you need more reasons to choose Fremont Bank, learn what makes us different.
Some circumstances where a portfolio loan could apply include:
Have unique credit or income circumstances? Consider a portfolio loan! This type of loan has more flexible requirements since it is underwritten to our internal guidelines.
Best for: Those with unique credit or income circumstances
Best for: Those with unique credit or income circumstances
Want to buy a more expensive home or make a smaller down payment? High balance and jumbo mortgage loans are available.
Best for: Qualified borrowers looking for financing in a “high cost” area
Best for: Borrowers who require loan amounts greater than the High Balance loan limit
Looking to buy a new primary residence? Make a stronger, contingency-free offer on your dream home with a bridge loan now while selling your current home later.
Talk to an expert at (866) 979-4432
Looking for a more affordable mortgage? Our HomeReady® program and Federal Housing Administration (FHA) loans offer low down payment options and have less stringent credit requirements.
Best for: First-time borrowers who need a low down payment
Best for: Borrowers who require a low down payment option
Access the equity in your home to assist with several of your financial needs with a reverse mortgage. Eligibility restrictions apply. Discuss options for potentially supplementing your income with one of our specialists today.
Contact a specialist at (866) 936-2635
Make the next move toward your next move. Let our team help put your home loan in motion.
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Speak with a Loan Officer, who will help guide you through your purchase.
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A loan representative can answer your questions and take your application.
With a nearly 60-year history, Fremont Bank is proud to provide a full range of banking and lending services to home-buyers and homeowners.
Loan data is for informational purposes only, and is based on owner-occupied single-family homes only. The actual fees, costs and monthly payment on your specific loan transaction may be higher or lower than those quoted based on your information, which may be determined after you apply. This is not a credit decision or a commitment to lend. Loan interest rates are based on current market rates, are subject to pricing adjustments related to several factors including, but not limited to, property type and location, loan amount, loan type, loan-to-value, occupancy type and borrower credit history. Mortgage insurance may be required if loan-to-value (LTV) is higher than 80% which could increase the monthly payment and APR.
Adequate property insurance (which may include flood insurance) is required. Borrower responsible for insurance requirements and applicable state, county, city taxes which can be substantial.
1 FHA insures loans for lenders against defaults - it does not provide direct lending nor does it set interest rates on the mortgages it insures. Borrower must meet standard FHA credit qualification. Available on 1- to 4-unit properties.
2 Borrower required to complete homeownership education course; certification required. Available on 1- to 4-unit property purchases and limited cash out refinances only. Fixed rate terms only. HomeReady is a registered trademark of Fannie Mae.
3 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 Closing Disclosure statement. 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.
Loans with points and/or fees (Closing Costs) may have a lower nominal interest rate than “No Closing Cost” loans. Discount points are a form of prepaid interest paid up front in exchange for a lower interest rate. The reduced interest rate will only save money over a long term; the longer a borrower plans to live in the home, the better the chance of reaching the “break-even” point. There are a variety of points and fee options, so please ask your loan officer about available programs to help you decide whether paying points is an option for you.
4 Refinancing to lower your monthly payment may extend the number of monthly payments and/or the total amount paid when compared to your current situation. Other loan programs are also available. If you are a servicemember on active duty, prior to seeking a refinance of your existing mortgage loan, please consult with your legal advisor regarding the loss of any benefits you are entitled to under the Servicemembers Civil Relief Act or applicable state law.
Loans available for properties located in California and Nevada. Rates may not be available in all areas. Actual rates may vary. Loans subject to credit qualifications and underwriting requirements. Property type and other restrictions may apply.
