High Balance Mortgages

Available for loans above $453,100 and up to $679,650¹.

High Balance Mortgages

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Looking to buy or refinance a home with a mortgage over $453,100? Consider a high balance mortgage (above $453,100 up to $679,650¹) with fixed-rate terms of 15 or 30 years, and save money with competitive rates and low closing costs.

Why a High Balance Mortgage?

High Balance Loans are a great option for buying or refinancing homes in high-cost counties designated by the Federal Housing Finance Agency (FHFA).
Available on owner-occupied single and multi-family homes, and vacation properties in high-cost counties² throughout the U.S.

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Loans

All RatesToday's Rates

Mortgages

Description	Rate	APR⁶
30 Year Fixed Rate Mortgage	3.5%	3.525%
20 Year Fixed Rate Mortgage	3.375%	3.41%
15 Year Fixed Rate Mortgage	3.125%	3.17%
10 Year Fixed Rate Mortgage	3.125%	3.19%
3/1/30 Year Adjustable Rate Mortgage	3.375%	4.167%

6 Annual Percentage Rate. Rates as shown are for 0 discount points. Down-payment of less than 20% requires mortgage insurance. Property and flood insurance where required. To obtain a custom rate quote, cost and payment information, click here for more information.

Home Equity

Loan Type	Term	APR as low as⁷
Home Equity Line of Credit		5.00%
Interest Only Home Equity Line of Credit		5.00

APR = Annual Percentage Rate. For additional rates, disclosures, terms and conditions, click All Rates above.

Your Affinity Mortgage

Do you have specific questions or comments regarding your Affinity mortgage? Contact a Mortgage Loan Officer.

1 Maximum loan amount for a single-family, owner occupied property in a high-cost county as designated by the Federal Housing Finance Agency (FHFA). To check the loan limits for high cost counties, click here.

2 High balance mortgages for multifamily units or vacation homes are limited to a 15 year term.

High Balance Mortgages