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Loan Programs

Home Purchases and Refinance Programs

Fixed Rate Mortgage

Consistent monthly payments of principal and interest during the life of the loan.  Your interest rate won’t change.  This may be a good option if you plan to stay in your home for a long period of time.

Adjustable Rate Mortgage

The initial interest rate is fixed for a set period of time.  After that, the interest rate can adjust annually during the remaining years of the loan if the index changes.  This may be a good option if you plan to stay in your home for only a short period of time.

Affordable Mortgage Programs

  • FHA loans require as little as 3.5% down payment.
  • USDA loans offer 100% financing with no money down in qualifying rural areas.
  • VA loans offer low or no down payment options for our Veterans.

 

Jumbo Mortgages

Loan amounts exceeding $417,000.

Refinancing

Refinancing your current mortgage may allow you to lower your interest rate or shorten the term of your loan.  You may also qualify to use the equity in your home for home improvements, finance large purchases, or pay off existing debt.

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