Compare rates and programs side by side
We present your mortgage options with complete transparency. View available programs, understand the process, and apply when you're ready. No surprises, no hidden terms.
See what's available today
Cascade Point offers fixed and adjustable rate options across multiple terms. Rates update throughout the day to reflect current market conditions. Use the table below to compare programs, then reach out to discuss your specific situation.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-year fixed Standard amortization, no prepayment penalty | 6.500% | 6.625% |
| 15-year fixed Accelerated payoff, lowest lifetime interest | 5.750% | 5.900% |
| 7/1 adjustable Lower initial rate, adjusts after seven years | 6.250% | 7.125% |
Assumptions include standard origination and processing fees, property insurance, and property taxes estimated for a median-priced home in your area.
These rates are informational only and subject to change. Your actual rate will be based on your application, property appraisal, and creditworthiness. Lock rates are available upon application. Rates shown assume a borrower with excellent credit and a standard loan structure.
Choose the loan structure that fits your goals
Each program is designed for different financial situations and timelines. Whether you're purchasing a home, refinancing an existing mortgage, or building equity faster, Cascade Point has a product structured for your needs.
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Purchase Mortgages
Finance a new home with fixed or adjustable rate options. Our purchase mortgages are available for primary residences, second homes, and investment properties.
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Rate and Term Refinance
Refinance your existing mortgage to access lower rates or adjust your loan term. Lock in savings without changing the principal balance owed.
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Cash-Out Refinance
Tap your home equity to access funds for improvements, debt consolidation, or other needs while refinancing your mortgage.
From application to closing in stages you'll understand
The mortgage process moves through distinct phases. We'll guide you through each step, provide documentation when requested, and keep you updated on timeline and next actions.
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Application and prequalification
1-2 business days
Complete your application online or by phone. We'll verify income, assets, and credit to determine preliminary loan terms and amounts you may qualify for.
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Property appraisal and underwriting
3-5 business days
We order an independent appraisal of the property. Underwriting reviews all documentation to confirm the loan meets our standards and your loan terms lock in.
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Final review and closing
2-3 business days
Title is cleared, final walkthrough occurs, and closing documents are prepared. You review and sign all loan documents at closing with a title company representative.
Why borrowers choose Cascade Point
- 100%
- Transparent pricing All fees and terms disclosed upfront with no hidden costs
- 24/7
- Online access Check your application status and upload documents anytime
- Local
- Expert support Dedicated loan officers answer your questions throughout the process
Common questions about mortgages
Find answers to questions about our process, programs, and what to expect at each stage.
What documentation do I need to provide?
We'll request recent pay stubs, W-2s or tax returns for the past two years, bank statements showing assets, and identification. For self-employed borrowers, we may need additional business documentation. A complete list is provided when you apply.
How long does the approval process take?
Most applications move from submission to closing in 7 to 10 business days. This depends on how quickly you provide requested documentation and how the appraisal process unfolds. We'll give you a specific timeline after your initial review.
Can I lock in a rate before I find a home?
Rate locks are available after you've submitted a complete application and chosen your loan program. Once locked, your rate is protected for a set period while you're shopping for a property or during underwriting.