Home Loans

Finance Your Dream Home

Competitive rates and great local service whether you're a first-time buyer, looking to upgrade or ready to downsize.

Mortgage Loans

Our experienced local loan officers are here to help you find the loan that makes the most sense for you! We offer competitive rates and fees to help you save money, quick approvals, and free rate locks and rate lock extensions. Learn more about our different loans below.

    • 30-year mortgage  rate as low as 6.29% APR*
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    • 15-year mortgage rate as low as 5.31% APR*linklink

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Conventional Loans 

Work with our experienced team of Mortgage Loan Officers to finance your new home with the most common mortgage loan.

  • As little as 3% down
  • First mortgage or refinances 
  • Terms from 10 to 30 years
  • Loans up to $647,200
     

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Construction Loans

Combine short-term construction and permanent financing for your dream home. You're involved in the disbursement of funds during the construction phase, reviewing and authorizing requests before funds are released to the builder.

  • Interest-only payments during the 12-month construction period
  • Rate locks available at any time during the application process
  • Financing terms from 10 to 30 years
  • Loans up to $2,000,000
     

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Government-Guaranteed Loans

Government-guaranteed loans offer flexible credit requirements and low down payment options to make your home ownership dreams attainable.

  • VA Loans: No down payment for qualified military veterans
  • USDA Loans: No down payment for moderate income families in qualified rural areas and communities
  • FHA Loans: Lower down payments and credit score requirements for low-to moderate-income borrowers

 


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Jumbo Loans

Make your dream home a reality with a jumbo loan designed for loans that are larger than $647,200. 

  • Low down payment 
  • Competitive low rates 
  • Terms from 10 to 30 years
  • Firmer credit requirements than other loan products
     

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Non-Traditional Loans

Properties and buyers that don't meet secondary market requirements can still get a loan with Rogue! We can provide loans that fit outside of the box:

  • Twice-moved manufactured homes
  • Pre-1976 manufactured homes
  • Two homes on one lot
  • Mixed-used homes
  • Unique situations
  • Investment properties
  • And more
     

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ITIN Loans

Rogue offers Individual Tax Identification Number (ITIN) loans for buyers who are not eligible for Social Security Numbers. Buyers must be able to demonstrate a three-year history of US residency and paying income taxes. 

  • Available for single-family residences and manufactured homes /with lands properties
  • Up to 80% financing
  • Up to 30-year terms
  • Flexible down payment options, including gifts and cash
  • Non-traditional credit is allowed with a 12-month rental history

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Land Loans

Land loans are available for those planning to buy a plot of land to build a new home on.

  • Purchase or refinance options available
  • Borrow up to 65% of the land's value
  • Terms from 15 years

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Manufactured Home in Park

Finance a home that will be placed in a manufactured home community or park.

  • Borrow up to 95% of the home's value
  • Competitive rates
  • Terms up to 25 years
  • Purchase or refinance options
  • Must be owner-occupied
     

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Lock & Shop

Gain peace of mind knowing your pre-approved rate is protected while you search for the perfect home. Rogue doesn't collect a fee for locking in the rate, saving you money when you need it most!

  • Rates locked for 90 days
  • Lock can be extended
  • No upfront fees
  • Float-down option available if rates fall

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APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates are effective as of September 2022.