Find Your Fit
Get a mortgage built for your situation
What We Offer
Cumberland Mortgage Works handles the details so you don't have to. We process loans with clear timelines and transparent terms. You get a straightforward path from application to closing, with people who know the numbers and know the work.
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Fixed Rate Mortgages
Lock in your rate and keep it steady. Fixed rates let you budget with confidence. Your payment stays the same from day one through payoff, no surprises.
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Adjustable Rate Options
Start lower and adjust over time. ARM mortgages work for buyers who plan to move or refinance. We explain the terms plainly so you understand when and how your rate changes.
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Jumbo Loans
Financing for properties that exceed conventional limits. We work with larger loan amounts and complex situations. Your property's value gets the attention it deserves.
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Our Loan Products
Cumberland Mortgage Works funds mortgages for primary residences, second homes, and investment properties. We work with borrowers across credit profiles and loan sizes. Every application gets reviewed on its own merits with straightforward underwriting. Your situation is unique—your mortgage should reflect that.
Rates as of
| Loan type | Rate | APR |
|---|---|---|
| 30-Year Fixed Standard 30-year amortization with fixed rate and payment | 6.500% | 6.625% |
| 15-Year Fixed Shorter term, faster equity building, higher monthly payment | 5.750% | 5.900% |
| Interest-Only ARM Lower initial payment, rate adjusts annually after fixed period | 6.250% | 7.125% |
All rates shown reflect standard assumptions: full documentation, standard credit review, property appraisal, and title work. Final rate depends on loan amount, property type, down payment, and other factors specific to your application.
Rates are subject to change without notice. These products are offered in states where Cumberland Mortgage Works is licensed. Not all products available in all states. Rates listed are examples only and do not constitute a rate lock or commitment. All loan terms are subject to borrower qualification and property appraisal. See our loan estimates for actual pricing on your application. Contact us for current terms and availability.
Borrowers Share Their Experience
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