Purchase a Home

With a nearly 60-year history, Fremont Bank is proud to provide our expert knowledge of local markets to help make your next house a home. Let’s make your dreams come true!

Talk to a mortgage expert (877) 528-1481
Home Loans


We currently service and support over 55,000 clients with loan balances exceeding $11 billion. We offer attractive rates, low down payment options, as well as fixed and adjustable rate mortgages. Find out why you should purchase with Fremont Bank.

Dedicated Purchase Team

Not sure which mortgage is best for you? Partner with an expert who will guide you through the loan process to help you make an informed decision.

Complimentary Pre-Approval

Know in advance exactly how much you can borrow with our complimentary pre-approval letters. Pre-approval is an important first step to buying a home!

Easy-To-Use Mobile App

Our best-in-class mobile app enables you to easily make payments, access your documents, and more.

Are you a first time homebuyer?

Fremont Bank has essential home buying insights that can help you navigate this process

Step 1

Discover practical strategies and tips to effectively save for a house.

Saving for homeownership
Step 2

Explore the comprehensive costs of homeownership beyond the listing price.

The cost of homeownership
Step 3

Embark on your homebuying journey with confidence using our five essential tips.

Shopping for a home
Step 4

Explore the factors that help determine homeownership eligibility.

Homeownership eligibility
Step 5

Understand your options when it comes to choosing a mortgage.

Loan options
Step 6

Dig into the details of the home purchase process.

Mortgage Rates

Today’s Mortgage Rates

Check the latest mortgage rates for our most popular home loan products. When you're ready to apply, call us at (877) 528-1481 or start your application online.

Points & Fees2 - 30 Year Fixed Rate Mortgage

Loan Amount
Interest Rate
Loan Term
30 years
Down Payment
Loan-to-Value (LTV)
Monthly Principal & Interest Payments*
360 payments of $2,594.39

*Payments displayed do not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater.

Stressed about buying in the current market?

Our Bridge Loan program helps you make the strongest offer on your dream home before you sell your current one. All at competitive rates with the exceptional service you expect from Fremont Bank.

Home Purchase Loans

Which Mortgage Is Best for You?

Whether you’re a first-time homebuyer or an experienced property owner, we have home loan options to meet your needs. Learn more about why Fremont Bank is a great choice for your home loan.

Adjustable Rate
Mortgage (ARM)

Best if: You’ll be in your home for only a few years

  • Typically offers a lower initial interest rate
  • After initial period, the rate may adjust annually

Fixed Rate

Best if: You plan to stay in your home long term

  • Maintain a consistent monthly principal and interest payment for the entire term
  • Protects you from rising interest rates


Best if: You need a low down payment option

  • Put as little as 3.5% down
  • Less stringent qualification requirements
  • Choose a fixed rate or adjustable rate mortgage

Combo Home

Best if: You need a financing option using two mortgages

  • Purchase a home using a first mortgage and a home equity line of credit
  • Streamlined process with one convenient loan closing

4 Ways to Get Started

Make the next move toward your next home. Let our team help put your purchase home loan in motion.

Apply Online

Use your computer or smartphone from the comfort of your home.

Request a Call

Speak with a Loan Officer, who will help guide you through your purchase.

Locate a Loan Officer

Find a Relationship Loan Officer in your area.

Talk to an Expert

A loan representative can answer your questions and take your application.

Looking for Something Else?

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.

Rates and terms valid as of 06/17/2024 09:31 AM and subject to change without notice.

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 The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The APR above is based on interest rate, loan origination fees and applicable closing costs and does not take into account other loan-specific finance charges you may be required to pay. Actual rate will be determined after receipt of completed application and prior to execution of loan documents. Rate lock may not be available until final loan approval; fee may apply.

2 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.

3 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. 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.