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We do it all the time. And it’s still a big deal. Let us help you find your way home with a low-rate mortgage loan.

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  • Quick Pre-Approval Process
  • Refinancing Available
  • Local Servicing & Decisions
  • Experience You Can Trust

Home - it's where your story happens. We do mortgage lending all the time, and it's still a big deal. There’s nothing we enjoy more than helping people with the purchase of their own home. Envista strives to keep our rates low while pushing our customer service off the charts. That’s pretty much the perfect combination of what you’d want in a mortgage lender.

  • Competitive rates
  • Wide range of terms
  • Free pre-approval
  • Local decision-making and in-house processing
  • Detailed, friendly service from experienced lenders

The first step in buying a home is getting prequalified - this tells you how much you can borrow in a home. Connect with our team and let's get you on the path to homeownership.

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Free Home Buyer's Guide 

We know the thought of buying a home can be overwhelming and confusing. It is our goal to make the process as easy, efficient and joyful as possible. Having the right information is essential to achieving a great home buying experience. We've created a Buyer's Guide full of home buying checklists, tips and tricks, just for you. Download your free copy!

Buyer's Guide Download

Conventional Loan

We’ve got loans for years. Which increment were you looking for?

  • 15, 20, 30-year terms
  • Fixed rate purchase or refinance
  • Low, competitive rates and terms resulting in lower monthly payments
  • Minimum 5% down payment
  • Faster loan processing since conventional loans are not dependent on government approval
  • Private Mortgage Insurance (PMI) required unless there is a 20% or more down payment
  • Required: down payment, proof of stable income, and decent credit

Home Possible Loan

We will work with you on flexible down payment options. 

  • 15, 20, 30-year terms
  • Purchase or refinance options
  • Minimum 3% down payment
  • Income limit restriction

Home One Loan

A low down payment loan with no income restrictions.

  • 15, 20, 30-year terms
  • Purchase or refinance options
  • Minimum 3% down payment
  • No income or geographic restrictions
  • One borrower must be a first-time homebuyer 

FHA Loan

The easiest type of loan to qualify for.

  • Purchase or refinance options
  • Minimum 3.5% down payment
  • Low credit scores and higher debt to income ratios accepted
  • Private Mortgage Insurance (PMI) required as well as an upfront funding fee of 1.75% of the loan amount that can usually be rolled into the loan

VA Loan

This program is designed for members of the Military, Veterans Reservists and National Guard members with little or no money needed for a down payment.

  • Purchase and refinance options
  • 0% down payment
  • VA Funding Fee required to participate in program (unless waived by the VA) starting at 2.15% of the base loan amount

Refinance Accelerator Loan

If you’re looking to fast track paying off your mortgage, ask about our Refinance Accelerator Loan.

  • 5 & 10-year terms
  • Low closing costs

Rural Development/USDA Loan

This program is intended for home buyers in rural and suburban areas with a lower household income. 

  • Zero down payment mortgage
  • Rural and suburban areas with lower household income
  • Detailed, friendly service from experienced lenders 

Land Loan

We’ll help you affordably finance the perfect plot of land to build your dream home.

Construction Loan

At Envista, we offer construction loans with competitive rates and fees. Several options are available to finance land, both urban and rural — whether you plan to start building right away or you are purchasing land for your future dream home.

“The mortgage team at Envista was by our side keeping us informed, respecting our questions and making sure our mortgage financing was the easiest part of our home buying experience.”   - Ashley S

“There are enough worries and decisions when building a home. Envista made it easy and handled all of our contractor invoices and questions quickly and without error. With Envista I felt confident knowing the check would be in the mail the next day, keeping my contractors paid and on task.”   - Katie H

Our realtor introduced us to Envista’s mortgage team. They were very informative of mortgage financing process for our first home. They were knowledgeable, respectful, patient and most of all they had our back. Envista was able to help make our dream of homeownership, our reality.”   - Gloria M

“We were pleased at the ease of accomplishing our long term goal of paying off our home. We locked into a great rate and closed on a 15 year mortgage. Upon retirement, we will own our home free and clear. Thank you, Envista!”   - Craig M

Follow our Loving Your Home blog for everything from the best-kept secrets of homebuying to tips for sellers.

Read Our Blog

So, what do you say — should we bring it on home?

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