Purchase or Refinance
Whether you’re buying a first home, a new home or need to refinance your existing home at a better rate, turn to Credit Human. We’re here to take the stress out of the home loan process. If you’re ready to get prequalified, apply, or need to talk to one of our knowledgeable loan advisors, Credit Human is here to help you every step of the way.
READY TO TALK? Contact us at 844-468-9369 Monday through Friday 8:30 am to 5:30 pm CT.
Benefit from
- Competitive fixed rates and terms up to 30 years
- As little as 3% down payment and no private mortgage insurance (PMI)*
- Low closing costs
- No prepayment penalties
- Convenient online application
- Available in Texas, Louisiana, Colorado and North Carolina
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Purchasing a Manufactured Home?
Purchase or Refinance Rates
| Up to 15 years | 5.900% | 6.035% | $50,000 | $806,500 |
| 30 years | 6.400% | 6.483% | $50,000 | $806,500 |
Rates are effective as of July 9, 2025
Credit Human lending areas include the states of Colorado, Louisiana, North Carolina and Texas. Rates are subject to change without notice. Rates may be locked only after your completed loan application is received. This information is not a commitment to make a loan, nor is it a guarantee that you will receive a specific rate if approved. An annual percentage rate (APR) is a broader measure of the cost to you of borrowing money. The APR reflects not only the interest rate but also the points, mortgage fees, and other charges that you have to pay to get the loan.
Disclosed rates are based on a purchase of $225,000 loan amount, FICO of 780+ with a maximum loan-to-value of 75%.
Please contact a Credit Human Loan Advisor at 844-468-9369 for assistance if you have questions about rates and terms.