Mortgage Loans

We'll make purchasing a home or refinancing your mortgage fun and easy.

All XCEL mortgages feature

  • Competitive interest rates
  • Low closing costs
  • Choice of repayment terms
  • Schedule easy automatic payments
  • Refinancing options
  • Guidance from experienced lending team

Fixed-Rate Mortgages

  • 15-, 20- and 30-year terms available
  • Stable monthly payments over the life of your loan
  • Lock in rates for up to 45 days
  • Refinance existing loans

Adjustable-Rate Mortgages

  • Various types of ARMs available
  • Lock in a low initial rate with limited annual increases
  • Available for one- to four-family residences
  • Refinance existing loans

First-Time Home Buyers

  • Grants for down payment and closing costs
  • Compensation for cost of homeowner counseling
  • Down payment aid can reduce monthly payments
  • For homes in New York, New Jersey, Puerto Rico or Virgin Islands