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Mortgage Loan

At Cathay Bank, we offer you a wide array of fixed-rate mortgage loans with competitive rates, low down payments and no points options. Whether you're a first-time buyer with or without a traditional credit history, or are looking to refinance your present mortgage, our experienced Mortgage Loan Originators will help you find the right loan to fit your needs.

To help you determine which loan is best for you, the following chart outlines the major features and benefits of each of our mortgage loan plans.

Conventional Fixed-Rate Mortgage1 If you want the security of a fixed interest rate, don't want to think about interest rate fluctuations and prefer to keep your home for a long time.
  • Fixed monthly payment.
  • Quick loan turnaround with complete application.
  • Competitive rates.
  • No rate lock-in fees.
Conventional Adjustable Rate Mortgage1 If you want to take advantage of a lower start rate because you expect your income to rise over time or don't expect to be in your home for a long time.
  • Adjustable monthly payments.
  • Lower start rates.
  • Quick loan turnaround with complete application.
  • No rate lock-in fees.
Smart Mortgage For Investment Property1,2 If you are a business owner or self-employed.
  • No income verification.2
  • Fixed monthly payments.
  • Quick loan turnaround with complete application.
  • Use non-traditional payment history, such as rent or utility receipts to demonstrate good credit.
  • Competitive rates.
  • No rate lock-in fees.
Non Resident Mortgage1 Foreign nationals interested in owning an investment property in the United States.
  • Fixed or adjustable monthly payments.
  • Quick turnaround with complete application.
  • Competitive rates.
  • No rate lock-in fees.
Community Home Buyers Program1,3 First time home buyers.
  • Fixed monthly payments.
  • Lower down payment.
  • Flexibility to allow for higher debt servicing ratios.
  • Use non-traditional payment history, such as rent or utility receipts to demonstrate good credit.
  • No lender fees.4
  • Quick loan turnaround with complete application.
  • Free simple checking5 for automatic loan payments.
  • No rate lock-in fees.
Note: No prepayment penalty on the above mortgage plans.

At Cathay Bank, our Mortgage Loan Originators are committed to helping you get through the loan process smoothly and to aid you in selecting a mortgage that's tailored to match your needs. So, don't hold off fulfilling your dream of owning your own home.

Please visit one of our loan representatives at your nearest Cathay Bank Branch for details.


1 Restrictions and limitations may apply.
2 If you select the "No Income Verification" Smart Mortgage Loan For Investment Property, the interest rate on your loan will be higher than a Conventional Loan, and the Loan to Value (LTV) requirement is stricter, for example: a LTV of 60% is required for a maximum loan amount up to $1 million. For comparison purposes, please ask us to provide the terms and payments for a Conventional Loan.
3 Subject to area median income restrictions.
4 Subject to full documentation, appraisal, credit and other necessary verifications. Lender fees include discount points, origination fee, appraisal fee, credit report fee, flood determination fee, tax service fee and escrow/closing fee.
5 Monthly maintenance charge will be waived if your mortgage loan is maintained at Cathay Bank.

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