Decisions are truly made local with us. Loan approvals are made within hours, rather than days or weeks. You'll be able to bypass the unnecessary hurdles associated with larger banks. We know that buying a home is a huge step for you, and we want to be the means of getting you into your home promptly.
We offer the following mortgage products and services:
Buying a home for the first time is exciting. To help make this happen, our First-Time Homebuyer program enables you to purchase your new home with a minimal down payment with a low fixed rate. Our program allows you to put down as little as 3% of the purchase price. Income limits do apply.
VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan is designed to offer long-term financing to eligible American veterans or their surviving spouses.
Predictability can be a wonderful thing. Our fixed rate mortgages provide a consistent monthly payment for the length of the loan with loan terms ranging from 10 to 30 years.
ARM loan options feature a fixed rate for the initial term of 1, 3, 5, 7, or 10 years. After the initial term, the interest rate and payment can increase or decrease to reflect market conditions.
The USDA Rural Development loan program is available for rural property buyers. Borrowers can purchase their new home with no money down and obtain a low 30 year fixed rate. Income limits do apply.
The FHA program helps qualified low-to-moderate borrowers who are unable to make a large down payment on a home. Currently, the FHA finances up to 96.5% of the home purchase price. Mortgage insurance is required throughout the term of the loan.
Jumbo loans are designated for home purchases that exceed conforming loan limits. These loans have fixed and adjustable rate options in excess of $453,100.
Looking to build your dream home? Our construction loans enable you to make interest-only payments during the construction process and have the option of automatically converting into a monthly structured payment amount.
Buying land can be an excellent investment. We offer short-term interest-only loans or long-term up to 15 year competitive financing.
Need to make home repairs, pay off debt, make a purchase, or have a backup fund? Home equity loans or lines of credit allow you to borrow the equity of your home.
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