The home you want. The lender you trust.

Don't be an anonymous loan number. At Atlas, we work with you personally and want to know your story. Whether purchasing or refinancing, we want to help you with your home ownership goals.

The Run Down
  • 0% down for well qualified First Time Home Buyers
  • Down payment as low as 3% for non-First Time Home Buyers
  • Rate lock-ins: 120 days (new construction/end loans) or 60 days (all loans) – Float down protection
  • No application fee or escrow waiver fee
  • Origination fee as low as $995
  • Nationwide coverage
  • Cash back rebate program for buying and selling homes
  •  Loan amounts up to $2M
  • Customize quotes based on your loan details
Purchase Rates
Rate APR
3/1 ARM 3.375 % 4.467 %
5/1 ARM 3.500 % 4.335 %
7/1 ARM 3.625 % 4.252 %
10/1 ARM 3.750 % 4.168 %
15-Yr. Fixed 3.000 % 3.260 %
20-Yr. Fixed 3.625 % 3.725 %
30-Yr. Fixed 3.625 % 3.741 %

Purchase rates shown above. Rates can vary based on individual loan characteristics. Displayed rates reflect a 45-day lock period. Longer lock periods available. Get a custom quote.

Atlas Home Rewards: Get help buying or selling your home – plus a cash back rebate

Our Atlas Home Rewards program pairs you with a local real estate agent and a mortgage loan officer who will guide you through the entire home buying process. And we can help you sell your current home too!

Plus, within 45 days after your closing, we’ll give you a cash back rebate of up to $6,500 when you buy or sell, and up to $13,000 if you buy and sell through the program!88

In select cities, Atlas Home Rewards can even provide online tools to help you learn about the local market and find prospective homes. 

Get Started

Atlas Advantage Mortgage (AAM) Program

Traditional mortgages sometimes create roadblocks to buying a home; they may want a large down payment or require private mortgage insurance (PMI) if you haven’t saved up 20% of your home’s value. But the Atlas Advantage Mortgage (AAM) program helps you overcome these common barriers to homeownership.

0% down, no-mortgage-insurance loans help first-time homebuyers

Atlas’s 0% down product for first-time homebuyers offers loan amounts up to $500,000, with no pricey PMI payments and a variety of term options available.


5% down no-mortgage-insurance loans and refinances

If you’re not a first-time homebuyer, you’re probably already sick and tired of paying PMI. When the milestone of reaching 20% home equity to end your PMI payments is still far off, Atlas’s AAM program can help. You can buy a new home with 5% down (or refinance with 5% equity) and eliminate PMI with AAM.


Rate Watch

Subscribe to Rate Watch to get notified when a rate hits your target. Sit back and let the savings come to you!

Mortgage Process

You’ve been preapproved. You found the house of your dreams and your bid was accepted. Now what?

Learn what happens at every step of the way – from application to closing – with our step-by-step mortgage process infographic.  

View Full Process (PDF)

Download and save the mortgage process infographic.

Get the right type of mortgage for you

Picking the right mortgage type for your home loan is a big decision - and we’re here to help. Please give us a call at 800-365-7003 to speak with an Atlas home loan specialist who can answer your questions and guide you towards the perfect loan.

Fixed Rate Home Mortgage

as low as 3.000% (3.260% APR)
Quick Summary

Lock in a mortgage rate and payment for a period of either 15 or 30 years.

Max Term

15-year or 30-year50

Consider If
  • You plan to stay in your home for 10 years or more
  • You prefer to have fixed, consistent payments
as low as 3.375% (4.467% APR)
Quick Summary

Lower initial rate subject to adjustments after fixed term.

Max Term

Initial fixed term 3, 5, 7, or 10-year48,49

Consider If
  • You plan to move before 10 years
  • You prefer a lower monthly payment at the beginning of your loan​

Purchase Mortgage Rates

Rate APR
3/1 ARM 3.375 % 4.467 %
5/1 ARM 3.500 % 4.335 %
7/1 ARM 3.625 % 4.252 %
10/1 ARM 3.750 % 4.168 %
15-Yr. Fixed 3.000 % 3.260 %
20-Yr. Fixed 3.625 % 3.725 %
30-Yr. Fixed 3.625 % 3.741 %

Let Me Know When Atlas Rates Gets Even Better

Fixed and ARM mortgage FAQs

How do I choose between a fixed- and an adjustable-rate (ARM) mortgage loan?

Fixed-rate loans provide peace-of-mind from knowing your rate is locked in for your entire 15- or 30-year term – your monthly payment won’t change. Adjustable-rate mortgages (ARM) have lower payments in the beginning so you can take care of other necessary expenses, like furniture for your new home.

How do I choose between a 15-year term and a 30-year term fixed-rate mortgage?

The shorter the loan term, the less you will pay in interest over the long run, but the larger the monthly payment will be. Keep in mind that even with an Atlas 30-year Fixed-Rate Mortgage Loan, there are no penalties for paying ahead of your payment schedule, so choosing a 30-year loan but making larger-than-scheduled payments could be a good compromise option.

Should I be worried that my payment on an ARM mortgage will go up dramatically after a certain time?

With an adjustable-rate mortgage (ARM), monthly payments can change after a specific amount of time, according to your loan structure. However, Atlas ARMs have a cap to prevent a drastic payment increase. Talk with an Atlas home loan specialist to make sure you understand how your payment can change over time.

Can I pay off my loan quicker than the payment schedule?

Yes. At Atlas, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

Have more questions about mortgages?

Visit our Mortgage Resource Center for more information. 

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