Easy Orange > Learn More

What's so "easy" about it?

• Apply online, on your time. It takes less than 10 minutes, and closing can be done online, so you don't have to drive to the ends of the earth to sign a bunch of papers.
• Set it and forget it. Payments are made electronically and can be set automatically. Say goodbye to remembering due dates and paper cuts from licking stamps.

Why is it for Savers?

• A low interest rate of ( APR). Your rate is fixed for 5 years. This is a principal & interest mortgage with payments based on repaying over 30 years. That means you'll pay less interest and have more money for your pocket.
• Low closing costs. Pay no application fees or points, therefore you save thousands. See for yourself.
• Bi-weekly payments. By taking what you pay each month and dividing it in half, you'll reduce your balance faster, and pay less interest. Compared to monthly payments, it adds up to at least one extra payment a year.
• Rewarding those who have already saved. We offer a low rate on Easy Orange because you're able to put down a healthy down payment.
• Good credit matters. A credit score of at least 700 tells us you're managing your finances. If it's a little lower, let's talk about how our Orange Mortgage can help you save money today.

What else should you know?

• Easy Orange has a maximum loan amount of $750,000 and you can only have one per Customer. You must live in your home (no rentals or 2nd homes).
• At the end of the 5-year term, your remaining balance is due to be paid back. If you qualify, you can relock your rate at our current Easy Orange 5-year fixed rate for another 5 years – currently, all for one payment that's equal to 2 of your bi-weekly mortgage payments. We may not always offer Rate Renewals to new Easy Orange Customers. Interest rates, eligibility requirements and costs can change at any time.
• All payments are made electronically. If we get a paper check, we may charge $50 for each one received. Keep in mind that some bill pay services still send paper checks - we will charge for these as well. So be sure to set up automatic payments from your checking account.

Easy Orange may not be for everyone. For those that can manage their account online, pay without checks, maintain a solid credit history and see the benefit of bi-weekly payments - this is a perfect fit. For those that find it doesn't quite fit, check out our Orange Mortgage.