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Personal Banking Services

Quantum Bank Personal Banking Services offer everything you need to manage your money with ease—from flexible checking and high-yield savings to low-rate loans and rewarding credit cards—all backed by modern tools and personalized support.

Home Loans

Buying a home is one of life’s biggest financial decisions, and Quantum Bank Home Loans are designed to make the process smooth, flexible, and affordable. Whether you’re purchasing your first home, upgrading to your dream house, or refinancing an existing loan, we offer competitive rates, personalized options, and expert guidance every step of the way.

Rates

Fixed-Rate Mortgage

🔹 Predictable payments with long-term stability.

  • Best for: Homebuyers who want a steady interest rate and fixed monthly payments.
  • Loan Terms: 10, 15, 20, or 30 years.
  • Extras: No prepayment penalty, rate-lock options available.
APR: 7.5%
Interest Rate: 6

Apply Now
Adjustable-Rate Mortgage (ARM)

🔄 Lower initial payments with flexible rate adjustments.

  • Best for: Buyers who plan to sell or refinance before the rate adjusts.
  • Loan Terms: 5/1, 7/1, and 10/1 ARMs (fixed for initial years, then adjusts annually).
  • Down Payment: As low as 5%.
  • Extras: Rate caps to limit increases, refinance options available.
APR: 5%
Interest Rate: 3.5

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Jumbo Mortgage Loan

💎 For luxury properties and high-value real estate.

  • Best for: Homebuyers purchasing a high-value home above conforming loan limits.
  • Loan Amount: Starts at $750,000 (varies by location).
  • Down Payment: Typically 10-20%, depending on qualifications.
  • Extras: Dedicated mortgage specialist, flexible underwriting, and portfolio loan options.
APR: 7%
Interest Rate: 6.5

Apply Now

Testimonials

FAQs

Home Loan FAQs

A loan application can be approved within 2 business days of final submission of the required application documents.

A hard inquiry is captured on your credit report and indicates to other financial organizations that you have applied for credit. It may also impact your credit score. A soft inquiry does not impact your credit score and can only be seen by you if you request a copy of your credit report.

Please refer to our loan rates tables here.

We recommend that you get started by checking your rates with no impact to your credit score. You can continue to apply when you're ready.

You may also:

  • Make an appointment with a banker at your local Quantum Bank branch or find a location.
  • Call us at X-XXX-XXX-XXXX.

For most applications, you can track your application status online if you share your email address with us at the time of application. We'll send you an email telling you how.

Please refer to our Documents section for more details on required information.

Disclosures

  • Loan Approval & Creditworthiness. All home loans are subject to credit approval and verification of income, assets, and debt.
  • Rates & Terms Subject to Change. Interest rates and loan terms vary based on credit profile, loan amount, and market conditions.
  • Jumbo Loan Eligibility. Loan amounts exceeding conforming loan limits require additional underwriting and qualifications.
  • FHA & VA Loan Qualifications. Government-backed loans have specific eligibility requirements. VA loans are available only to eligible U.S. military veterans, active-duty service members, and qualifying spouses.