Home Purchase

You Focus on the Home, We'll Focus on the Loan

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Conceptual image of focusing on a loan with circular shapes 30 - YR FIXED R A TE % % APR Conceptual image of focusing on a loan with circular shapes

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

Details and Rate Assumptions 

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Rate Assumptions
  • $300,000 loan amount
  • 75% LTV
  • 740 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

  • 30-YR Fixed Rate
  • 360 months
  • 3.875% / 3.967% APR fixed
  • Rate and payment figures based on .333 discount point(s)
    • 359 payments of $846.43 at an interest rate of 3.875%
    • 1 payment of $845.23 at an interest rate of 3.875%

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Important Disclosures Back

Your needs, our priority. Let’s get moving.

There’s no one mortgage that suits every situation. It’s not nearly as simple as that. And while the right mortgage can make all of the difference, the wrong one can make for plenty of frustration. With EverBank, you’ll have the help of mortgage experts who never lose sight of this fact and will be your support vehicle from mortgage selection all the way through closing.

Expert Guidance
Buying a New or Second Home
Buying a New or Second Home
First-Time Homebuyer
Loans in the Millions
Low Down Payment Options
Specialty Financing
Buying a New or Second Home
First-Time Homebuyer
Loans in the Millions
Low Down Payment Options
Specialty Financing

Make Your Next Move With Confidence

Not all loans are built alike. And neither are all lenders. Turn to EverBank for a loan built on over four decades of home lending expertise. Here you’ll discover the loans, the rates and the people who will make your next move the best move yet.

Don’t Just Dream It, Own It

Are you ready to move from renter to equity builder? This is a time of great excitement that can present new challenges. And it's our job to conquer those challenges for you by delivering expert service and advice, great rates and a loan process free of drama and heavy on communication.

Home Financing That Goes the Extra Mile

Getting the perfect home sometimes requires financing that goes beyond the norm. For times like that, we're pleased to offer jumbo financing up to $3 million, great rates and direct access to our mortgage experts. Everyone has their own vision of the perfect home, some just dream on a larger scale.

Your Path to Homeownership Starts Here

With a government insured loan, you could be closer to home than you think.2 FHA and VA loans are popular choices for homebuyers in search of a more affordable path to home ownership. Don't put off your dream another day, the gate's open.

Powerful Financing for a Range of Goals

Our Preferred Equity Line is available as a primary or secondary mortgage for the purchase of primary, secondary and even investment properties. Use the line as a financial tool for undertaking goals beyond the home purchase, or use as a second mortgage (when paired with another EverBank mortgage) to lower your down payment requirement and avoid paying mortgage insurance.

Note: Not available in all states.3

See How We Lend

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The lines of communication will always be open, as you'll have the support of a dedicated mortgage expert from start to finish. And with processing and underwriting under a single roof, you'll experience a smooth mortgage process all the way through closing.

50 State Lending Network

Find Your Loan

We’ve Got Your Needs Covered

Like what you see? Rate locks are available, including a one-time rate reduction with our Lock and Shop program.4 All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

Help Me Choose
Fixed Rate
ARMs
FHA / VA
Specialty
Rate Assumptions
  • $300,000 loan amount
  • 75% LTV
  • 740 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

  • 15-YR Fixed Rate
  • 180 months
  • 3.125% / 3.367% APR fixed
  • Rate and payment figures based on .886 discount point(s)
    • 179 payments of $1,253.90 at an interest rate of 3.125%
    • 1 payment of $1,253.36 at an interest rate of 3.125%

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $300,000 loan amount
  • 75% LTV
  • 740 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

  • 30-YR Fixed Rate
  • 360 months
  • 3.875% / 3.967% APR fixed
  • Rate and payment figures based on .333 discount point(s)
    • 359 payments of $846.43 at an interest rate of 3.875%
    • 1 payment of $845.23 at an interest rate of 3.875%

Estimated taxes and insurance monthly payment could be $375. This is not included in the monthly payment stated abovel nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $750,000 loan amount
  • 75% LTV
  • 775 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

  • 15-YR Fixed Rate Jumbo
  • 180 months
  • 3.375% / 3.436% APR fixed
  • Rate and payment figures based on .222 discount point(s)
    • 179 payments of $4,961.32 at an interest rate of 3.375%
    • 1 payment of $4,961.02 at an interest rate of 3.375%

Estimated taxes and insurance monthly payment could be $1,458.33. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Rate Assumptions
  • $750,000 loan amount
  • 75% LTV
  • 775 credit score
  • 45-day rate lock
  • Escrow required
  • Purchase of existing single family home and primary residence in Jacksonville, FL, Duval Co.

Today's Rates

All rates and Annual Percentage Rates (APRs) are as of 10/20/2017 and are subject to change at any time.1

  • 30-YR Fixed Rate Jumbo
  • 360 months
  • 3.875% / 3.893% APR fixed
  • Rate and payment figures based on .019 discount point(s)
    • 359 payments of $3,291.66 at an interest rate of 3.875%
    • 1 payment of $3,291.48 at an interest rate of 3.875%

Estimated taxes and insurance monthly payment could be $1,458.33. This is not included in the monthly payment stated above; nor do either of these payments include any required mortgage insurance premiums. Your actual payment will be higher. The assumed credit score may be higher or lower than your actual credit score.

  1. Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.

Conventional & Jumbo ARMs

Call for Rates

FHA Loans

Pay As Little As Call for Rates

VA Loans

Pay As Little As Call for Rates
Spotlight Rate

Current variable rates as low as 2.990% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $500,000
  • Line must be secured by 1-unit single family residence

Interest Only Line

Need to maximize cash flow? Our Preferred Equity Line - interest only option - could be a great way to keep payments low at the onset. Pay interest only during the initial 10-year draw period of this variable rate 30-year loan. You may access up to 90% of the line at closing.

Note: Not available in all states.1

  1. First lien home equity line of credit with interest-only payments in the draw period available in AZ, CA, CO, CT, DC, FL, GA, MD, MA, MO, MT, NC, NJ, NY, OR, PA, RI, UT, VA, WA.

Spotlight Rate

Current variable rates as low as 2.990% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $500,000
  • Line must be secured by 1-unit single family residence

Principal + Interest Line

If you plan to be in a home for the long haul, paying principal and interest over the life of the line may be the right answer for you. It’s certainly the right answer for building equity in the property. You may access up to 100% of the line at closing.

Note: Not available in all states.1

  1. First lien amortizing home equity line of credit is available in AZ, CA, CO, CT, DC, FL, MA, MD, MO, MT, NJ, NY, OR, PA, RI, UT, VA, WA.

Spotlight Rate

Current variable rates as low as 4.125% APR

Rate Assumptions
  • 760+ credit score
  • 70% LTV or less with a total line amount equal to or greater than $150,000
  • Line must be secured by 1-unit single family residence or eligible condominium

Low Down Payment Option

When you pair a conventional EverBank home loan with our Preferred Equity Line, you could make a low down payment and avoid mortgage insurance—all while keeping your financial strategy on track. You may access up to 100% of the line at closing, with a line maximum of $500,000.

Note: Not available in all states.1

  1. Second lien home equity line of credit must be obtained through EverBank at the same time as a closed end first mortgage (the "primary mortgage"). This option is not available in conjunction with all closed end first lien products or with first lien HELOCs and is only available in AZ, CA, CO, CT, DC, FL, GA, MA, MD, MO, MT, NC, NJ, NY, OR, PA, RI, UT, VA, WA.

When selecting your new mortgage, it’s important that you weigh a number of different factors, such as how much loan you can afford, your short-term and long-term financial goals, and how long you expect to be in the home. The tool below is a helpful resource when unsure as to which mortgage is best for you.

Solution: Choose from our range of ARM loans.

Considerations: You'll generally get a better rate and lower initial payments with our ARM products. However, if you plan to keep the home beyond the initial fixed rate period of the loan, your rate and payments could increase.

Solution: Choose a fixed rate loan to lock in a rate that won't ever change. An ARM could be a good option if you plan to sell within the initial fixed rate period.

Considerations: You'll minimize your monthly payment by opting for a longer-term mortgage, while a shorter term will let you pay off your loan sooner and realize substantial interest savings. Keep in mind, however, that while the rate may be lower for the shorter-term mortgage, the monthly payment will be quite a bit higher.

Solution: Choose a shorter-term fixed rate mortgage or possibly an ARM.

Considerations: A shorter-term fixed rate mortgage will result in you paying much less interest over the term of the loan as compared to a longer-term fixed rate mortgage. Our ARM products will generally carry a lower initial rate than that of our fixed rate loans and could be a good savings option for you if you intend to sell the property before the initial fixed rate period expires. After that, rates and payments could increase.

Committed to Closing

We Bring Confidence to the Table

So, you’ve found the home and you’re ready to move on the deal. Our innovative closing programs can help to ensure the deal gets done.

Power Approval

House hunt with confidence with our Power Approval® program.5

Closing Edge

Close in less than 30 days with our Closing Edge® program.6

From Our Clients

Reviews on Zillow7

Why EverBank?

Our Welcome Mat Is Always Out

Your new home loan answer is just around the corner. And our mortgage experts are standing by to show you a better path to your home loan goals. From our competitive rates and dedication to personal service to our full range of mortgage solutions, you’ll quickly see why EverBank is the right home lending partner for you.

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