Altovias Bank

Borrow

Mortgages

Buy a home or refinance with fixed rate financing and a dedicated loan officer who stays with you from application to closing.

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30 and 15 year fixed

A payment that stays the same for the life of the loan.

Refinance

Lower your rate, shorten your term or take cash out.

Local loan officers

One person guides you through documents, appraisal and closing.

At a glance

Programs
30 year and 15 year fixed rate
Down payment
From 5%
Rate lock
60 days
Escrow
Available for taxes and insurance
Closing
Typically 30 to 45 days from a signed purchase contract
After closing
Balance, escrow and full payment schedule in online banking

Know your numbers first

Use our mortgage calculator to estimate a payment with taxes and insurance, then get pre-approved to show sellers you are serious.

  • Down payments from 5%
  • Rate lock for 60 days
  • Escrow for taxes and insurance available
A couple signing home financing paperwork with an adviser in their living room

Manage your loan online

After closing, see your balance, principal and interest split, escrow balance and full amortization schedule. Make extra payments any time.

  • Set up autopay from any Altovias account
  • Download annual interest statements
  • Request a payoff quote online

What is in your monthly payment

Your payment is more than principal and interest.

  • Principal reduces your balance
  • Interest is the cost of borrowing
  • Taxes and insurance can be collected in escrow so they are paid for you

Documents to have ready

Having these ready helps your application move faster.

  • Photo identification for each borrower
  • Recent pay stubs or proof of income
  • Recent statements for accounts holding your down payment
  • The signed purchase contract, when you have one

From estimate to keys

  1. 1

    Estimate your payment

    Use the mortgage calculator with taxes and insurance included.

  2. 2

    Get pre-approved

    Show sellers you are serious and know your budget before you shop.

  3. 3

    Apply and lock your rate

    Your loan officer guides you through documents and appraisal.

  4. 4

    Close and manage online

    After closing, track your loan and make extra payments in online banking.

Frequently asked questions

Quick answers about mortgages.

What credit score do I need?
Requirements vary by program. We review your full financial picture.
How long does closing take?
Typically 30 to 45 days from a signed purchase contract.
Can I pay extra?
Yes. Additional principal payments go directly to reduce your balance.
What is included in my monthly payment?
Principal and interest, plus taxes and insurance if you choose escrow. Your loan officer will show you each part before you commit.
Can I refinance later?
Yes. You can refinance to lower your rate, shorten your term or take cash out, subject to approval.
Do I need a down payment of 20%?
No. Down payments start at 5%. A larger down payment lowers your monthly payment.

Related products and guides

Home Equity Lines of Credit Financial Planning Rates

Rates, fees and terms are subject to change. See Disclosures.

Ready to get started?

Open an account online in about ten minutes, or talk to us first. You will need your address, date of birth and an email address.

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