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Our Most Popular Home Loan
Move into your new home with confidence.
At Midland, we know it only takes a moment for an idea to spark, to find your dream home, or to start planning for your forever. Whatever your moments are, we're here for them. Learn who we are.
Leroy, CustomerMy representative was amazing, knowledgeable, and gave great service. The kind of rep every bank should have. Thank you, Midland!
Rafael, CustomerMy loan officer was very responsive and helped me get the right loan. The transaction was much smoother than with other banks.
Thinking about buying a home or refinancing? If you apply with Midland between October 20, 2025 and January 31, 2026, we’ll send you a free IRobot Roomba® 105 Robot Vacuum after your loan closes.
Just use promo code ROBOVAC when you apply!*
Choose from a range of loan terms, with options for fixed or adjustable rates, to fit your financial goals and timeline.
You can start with as little as 3% down. Just keep in mind that loans with less than 20% down will require private mortgage insurance (PMI).
Conventional loans often feature lower interest rates than other loan types.
| Feature | Fixed Rate Loan | Adjustable Rate Loan (ARM) |
|---|---|---|
| Interest Rate | Fixed for the entire term | Variable; changes periodically after initial fixed period |
| Monthly Payments | Consistent and predictable | Can increase or decrease over time |
| Initial Rate | Typically higher than initial rate of ARMs | May be lower than fixed rate loans initially |
| Best For | Long-term stability, those who prefer predictable payments | Short-term savings, those who might refinance or sell before rate adjusts |
| Interest Rate | Fixed for the entire term |
|---|---|
| Monthly Payments | Consistent and predictable |
| Initial Rate | Typically higher than initial rate of ARMs |
| Best For | Long-term stability, those who prefer predictable payments |
| Interest Rate | Variable; changes periodically after initial fixed period |
|---|---|
| Monthly Payments | Can increase or decrease over time |
| Initial Rate | May be lower than fixed rate loans initially |
| Best For | Short-term savings, those who might refinance or sell before rate adjusts |
Explore quick, interactive quizzes to pinpoint a loan tailored to your needs. Where are you in your home financing journey?
New to Real Estate? Here’s How Investment Property Loans Work
New to real estate investing? Learn how investment property loans work and what you may need to know about financing a rental property.
Need Cash for a Big Purchase? Compare Refinancing vs. Home Equity Loans
Looking to fund a big purchase by borrowing from your home’s value? You’ve got options. Explore home refinancing vs equity loan options including HELOCs.
Our team of dedicated professionals are here to support you.
*Applicants must use promo code ROBOVAC when submitting an online mortgage application or when meeting with their Mortgage Loan Originator. The free IRobot Roomba® 105 Robot Vacuum gift applies to loan applications on single-family, 1-4 unit properties for first-lien residential purchase or refinance mortgage loans only. Offer available on loan applications with Loan Estimate disclosures dated July 1, 2025 – August 31, 2025. This does not include pre-approval applications. No minimum loan amount is required to receive the offer. Standard loan program details still apply. All applications are subject to approval under Midland's underwriting guidelines. Gift is provided only upon loan approval and closing. Gift will be mailed to customers after the closing date to the new home’s address unless otherwise stated. Gift may be reported as taxable income and produce a 1099-MISC. Gift is limited to one per loan. No cash equivalent or transfer of prize is permitted. Offer subject to change without notice. Offer subject to change without notice. Offer cannot be combined with any other discounts, promotions, or incentives.
