Mortgage Loans

Whether you want to Build, Buy or Refinance your home, we have the solution.

Fixed Rate Mortgages*

Lock in a solid rate for the life of your loan with consistent payments.

• Purchase or Refinance
• Various Repayment Terms
• Biweekly or Monthly Payment Options

Adjustable-Rate Mortgages (ARM)*

If you plan to sell your home during the earlier years of ownership or would like to take advantage of a lower mortgage payment for an initial period of time, an adjustable-rate mortgage (ARM) may be your Solution.

• Purchase or Refinance
• Long Term Repayment
• Periodic and Lifetime Caps

USDA – Guaranteed Loan Mortgages*

A Great Solution to finance the purchase of your dream home.

• 100+% Financing Available
• 1.00% Guarantee Fee Included in Your Loan Amount
• 0.35% Annual Fee
• Single-Family Homes in Eligible Rural Areas (Condos ineligible)
• Income Limitations Apply

Construction-Permanent Loans*

The Solution for your home construction project. Lock in your permanent financing all in the same loan.

• Interest-Only Payments during the 12 month construction period
• Customized Disbursement Schedule
• Various Fixed Rate Repayment Terms

Land Loans

The Solution to help purchase your building lot now if your are not quite ready to build.

• Fixed Rate with Short Repayment Term
• 60% Financing Available
• Other Conditions Apply

* Loans that exceed 80% loan to value ratio will be required to obtain Private Mortgage Insurance. Homeowners Insurance required. Automatic Payment options available. First Time Homebuyers may qualify for closing cost discounts. Income limits apply and are subject to change without notice. Ask about our Good Neighbor Rewards. Certain additional restrictions may apply.