Mortgages
A mortgage that fits the life you are actually planning.
Home loans structured around your income, plans, and long term goals.
Overview
About Mortgages
OBS Mortgages are structured around the whole picture, not just the loan to value. A dedicated mortgage specialist walks you through fixed and adjustable options, closing costs, and long term implications.
You always see the total monthly housing cost, not just principal and interest.
Rates
Interest and APR
- 30 year fixed
- 6.75% APR
- 15 year fixed
- 6.00% APR
- 5/1 adjustable
- 6.25% APR
Illustrative example. Based on 20% down and excellent credit.
Illustrative example
Illustrative example
Fees
Fee schedule
- Application fee
- $0
- Origination fee
- 0% to 1%
- Appraisal fee
- $450 to $650
- Third party closing costs
- Varies
Illustrative example
Illustrative example
Estimated in your loan estimate
Values shown are illustrative examples for this preview and do not constitute an offer, approval, or contractual quotation. Actual rates and fees depend on your profile, region, and eligibility.
How it works
Getting started
- 1
Get pre approved
Start online and get a decision within 1 to 3 business days.
- 2
Find your home
Shop with confidence and a real budget in hand.
- 3
Close
Your specialist coordinates appraisal, closing, and funding.
Eligibility
- Age 18 or older
- Verifiable income and employment
- Property in a supported region
Requirements
- Two years of employment history
- Two months of bank statements
- Two years of tax returns
- Purchase contract, when applicable
Documents to prepare
- Government issued photo ID
- Recent payslips
- Two years of W2 or tax returns
- Bank statements for the last 60 days
Try the numbers
Estimate before you apply
Use the calculator below to model an estimate. Results are for guidance only and do not constitute an offer.
FAQs
Frequently asked
Still have a question? Message an OBS specialist from Secure Messaging any time.
Educational resources
Learn more before you decide
- Home Buying
Prepare for a mortgage application and the total cost of ownership.
- Credit
Understand how credit works and how to strengthen your profile over time.
Ready to begin
Get Pre Approved
Open your OBS profile and add Mortgages in minutes.