LENDING SOLUTIONS • COMPETITIVE FIXED RATES • EQUAL HOUSING LENDER

Mortgages & Lending Solutions

Empowering homeowners and commercial developers with transparent rates, fast digital pre-approvals, and customized financing terms funded directly in USD.

FINANCING OPTIONS

Residential Mortgages & Commercial Credit

From first-time home buyers to seasoned commercial developers.

RESIDENTIAL MORTGAGE

30-Year Fixed Mortgage

The gold standard of predictability. Lock in your rate for the entire life of your loan with down payment options starting as low as 3.5%.

Fixed APR: 5.98% APR

Down Payment: From 3.5%

Max Amount: Up to $2,500,000

Apply for 30-Yr

ACCELERATED EQUITY

15-Year Fixed Mortgage

Pay off your property in half the time and save tens of thousands in lifetime interest with our lowest fixed mortgage rates.

Fixed APR: 5.25% APR

Term: 180 Months

Closing Credit: Up to $1,500

Apply for 15-Yr

HOME EQUITY

Corox Home Equity (HELOC)

Leverage the equity in your primary or secondary residence with a revolving line of credit up to $500,000 for renovations or investments.

Variable APR: Prime + 1.25%

Draw Period: 10 Years

No Closing Costs: On lines > $50k

Inquire HELOC

COMMERCIAL CREDIT

Commercial Real Estate (CRE)

Substantial debt facilities for multi-family, logistics, and office acquisitions with loan amounts up to $10,000,000 USD.

Facility Limit: Up to $10,000,000

Amortization: Up to 25 Years

Underwriting: Dedicated Banker

Commercial Inquiries

MORTGAGE ESTIMATOR

Monthly Mortgage Payment Calculator

Estimate your monthly principal and interest payments based on loan size, term, and interest rate.

Total Loan Amount $450,000

Interest Rate (APR) 5.98%

Loan Term 30 Years (360 Mos)

ESTIMATED MONTHLY PAYMENT

$2,692.14

Principal & Interest Only (Taxes & Insurance Excluded)

Total Interest Paid $519,170

Total Cost of Loan $969,170

CURRENT LENDING RATES

Transparent Institutional Lending Schedule

Direct rates updated daily based on federal benchmark yields.

Loan Program	Interest Rate	APR	Est. Payment per $100k	Action
30-Year Fixed Conforming Standard single-family primary residence	5.875%	5.980% APR	$598.25 / mo	Apply Now
15-Year Fixed Conforming Rapid payoff & reduced lifetime interest	5.125%	5.250% APR	$803.88 / mo	Apply Now
30-Year Fixed Jumbo Loan amounts above conforming limits up to $2.5M	6.250%	6.375% APR	$624.50 / mo	Inquire
Home Equity Line of Credit (HELOC) Revolving variable line against equity	Prime + 1.25%	8.500% APR	Interest-Only Draw	Inquire

ROADMAP TO CLOSING

Your Journey from Application to Funded

Digital Pre-Approval

Submit your financial details online. Receive an official pre-qualification letter in as fast as 15 minutes.

Officer Consultation

Connect with a dedicated Corox mortgage officer to lock your rate and structure your repayment strategy.

Underwriting & Appraisal

Our expedited digital underwriting team validates your documents and schedules property appraisal seamlessly.

Clear to Close

Sign documents digitally or at your preferred location. Funds are wired directly via FedWire clearing.

FREQUENTLY ASKED QUESTIONS

Lending & Mortgage FAQs

What is the minimum down payment for a Corox residential mortgage? +

Qualified borrowers can purchase a primary residential property with as little as 3.5% down on conventional and conforming loan programs. Jumbo mortgages typically require a minimum of 10% to 20% down.

Can I lock in my interest rate while shopping for a home? +

Yes. Corox Bank offers our "Lock & Shop" program, allowing you to lock in an interest rate for up to 90 days while you search for your ideal residential property, protecting you against market rate increases.

Are there prepayment penalties if I pay off my mortgage early? +

No. None of our residential mortgage programs carry prepayment penalties. You may make additional principal payments or pay off your loan balance in full at any time without incurring fees.