10 & Done Loan
Pay off your home in 10 years with a great rate and low closing costs.
A 10 & Done loan is a great alternative to a traditional mortgage refinance. You may be able to save more with a better interest rate, which could help you pay off your home sooner or lower your monthly payment. A 10 & Done uses the equity in your home, must be in the first lien position, and doesn't include escrow.
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Low closing costs
Closing costs on a mortgage refinance average around 3% of your loan balance and can be thousands of dollars. Break even faster with a 10 & Done and closing costs as low as $275⫧.
Closes faster
You're refinancing your mortgage to save money, so let your savings kick in sooner. A 10 & Done takes less time to close than a traditional mortgage.
Less paperwork
Getting a 10 & Done requires less documentation than a mortgage, so you can save time filling out forms – and there's no application fee.
A great rate
Our 10 & Done has a fixed rate as low as [ Show Rate ] APR⫧ with Loyalty Program⫧, so you'll save on interest as you pay off your home over 10 years. Use our loan calculator to discover your potential savings.
Turn your mortgage into a 10 & Done loan to save money, pay off your home faster and achieve financial freedom sooner. Schedule an appointment to discuss your options or begin an application today.
⫧Rates are effective 7/16/2025. Loan must be in first lien position. APR = Annual Percentage Rate. Rate Includes Loyalty Program discount of 0.25% APR when enrolled in eDocs and while maintaining direct deposit of net payroll income to Veridian or, if unavailable, making a minimum of 10 qualifying checking account transactions per month. “Net payroll income” means the majority of the borrower’s payroll income after taxes and pre-tax deductions. Borrowers will lose discount if they fail to meet Loyalty Program qualifications during loan term. Rates, terms and conditions subject to change and may vary based on qualifications including creditworthiness, loan-to-value ratio, collateral conditions and market. Loan-to-value ratio must not exceed 80%. 10 & Done loans only available in Iowa, Nebraska & Minnesota. 10 & Done loans do not include escrow, so you will be responsible for tax and insurance payments. All loans subject to membership and approval. See Veridian for details.