Loan programs
Mortgage programs built for how you live
Choose the program that fits your life
Your mortgage should match your situation, not the other way around. Cascade Point Direct offers programs designed for different paths—whether you're buying your first home, investing in property, or refinancing for a fresh start. Each program comes with the same commitment to transparency and the same dedicated support from your loan officer.
-
Purchase mortgages
Whether it's your first home or your next one, we structure purchases to get you into your new place with confidence. We work with you on down payment options, timeline, and terms that make sense for your household.
-
Refinance options
Sometimes your needs change. A refinance can lower your payment, shorten your timeline, or free up cash when life demands it. We'll walk you through what a refi could mean for you.
-
Investment property loans
Building wealth through real estate takes the right financing partner. We understand investment properties and offer programs tailored to landlords and investors who are thinking long-term.
How our programs work
The first conversation
You'll speak with a loan officer who listens more than talks. We'll discuss your timeline, your goals, and what matters most in a mortgage. Then we'll explain which programs fit your situation. This is about understanding you, not moving fast for the sake of speed.
What happens next
Once you've applied, your file goes to underwriting where we verify everything and confirm the details. Your loan officer stays in touch during this phase, so you always know what's happening and when to expect updates. We ask for information clearly and explain why we need it.
The finish line
Before closing, you'll review final numbers and ask any last questions. We ensure you understand every line on your closing documents. Then you sign, funds transfer, and you own the keys to what's next.
Questions about our programs
Most borrowers have the same questions. Here are the answers that matter most.
Do you offer fixed-rate and adjustable-rate mortgages?
Yes. Fixed-rate mortgages lock your payment for the life of the loan, giving you certainty. Adjustable-rate mortgages start at one rate and change over time. Your loan officer will explain how each works and which fits your financial picture.
What down payment options do you have?
We work with borrowers at different down payment levels. Your loan officer will discuss what's available based on the program you choose and your situation.
Can I refinance my current mortgage with you?
Refinancing is one of our core programs. Whether you want to lower your payment, shorten your term, or tap home equity, your loan officer will model different scenarios and show you what's possible.
How long does the application process take?
Timeline varies by program and complexity, but we move as quickly as we can while making sure everything is right. Your loan officer will give you a realistic timeline after your initial conversation.
What if my credit isn't perfect?
We work with borrowers across the credit spectrum. Your loan officer will review your full situation and discuss programs that match where you are right now.
Do you serve self-employed borrowers or investors?
Yes. Self-employed borrowers and investors have different documentation needs, and we're set up to handle them. Your loan officer understands what it takes to verify income in these situations.
Mortgage rates and terms
Rates change daily based on market conditions. Your loan officer will provide current rates for your specific program, down payment, and timeline when you apply. The table below shows typical terms we offer.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-year fixed-rate purchase Principal and interest only; does not include taxes, insurance, or fees | 6.500% | 6.625% |
| 15-year fixed-rate purchase Shorter term results in higher monthly payment but less total interest paid | 5.750% | 5.900% |
| 30-year fixed-rate refinance Terms available for borrowers with existing mortgages looking to refinance | 6.250% | 7.125% |
Figures assume standard loan terms, documented income, and primary residence purchases. Your actual rate depends on your credit, down payment, loan amount, program, and other factors. Costs vary by location, property type, and market conditions.
This table is for reference only. Actual rates, terms, and payments will be provided in your Loan Estimate after you apply. Cascade Point Direct follows all federal lending guidelines and does not discriminate based on protected characteristics. All rates subject to change without notice. Contact your loan officer for details specific to your situation.