For decades we’ve worked with our neighbors to help them buy, remodel, and refinance their homes.
We understand home ownership is the backbone of community. Our mortgage lenders help make the process less intimidating and advocate for you from pre-approval through closing.
Fixed & Variable Rate Mortgages
Fixed Rate Mortgages
- Consistent monthly payments
- Loan terms from 10 to 30 years
- Best if you plan to own the property for awhile
- Interest rate doesn't change over the loan term
- Available for home purchase or refinance
Variable Rate Mortgages
- Initially offers a lower interest rate and payment
- Rate resets at a predetermined time, which means the new rate can be higher or lower (depending on market conditions)
- Loan terms from 10 to 30 years
- Best if you plan to live in the home for a short time period, want an initial lower payment, or anticipate a lower interest rate environment
- Available for home purchase or refinance
FHA Mortgages
If you want to refinance or purchase a home using a low down-payment, an FHA Loan may be best for you.
- Government loan program with more flexible qualification criteria
- Low Down Payment
- Gifts for down payment allowed
- Fixed and adjustable rate options
- Loan terms from 10 to 30 years
- No income limits
- 1 - 4 unit properties
- Non-occupied co-borrowers allowed with certain criteria
USDA Rural Housing Program
USDA Rural Home Loans for single-family homes include:
- No down payment
- Gifts for down payment are allowed
- Fixed interest rate
- Lower than market interest rate
- Flexible loan terms
- Flexible credit guidelines
- Single Family Only
VA Loan Programs
Active-duty personnel, reservists, veterans, and surviving spouses often qualify for VA loans with:
- Little to no down payment
- Gifts for down payment allowed
- Competitive mortgage rates, even if you don't have a perfect credit score
- Fixed and adjustable-rate options
- No monthly mortgage insurance premiums or PMI
- Closing costs capped at 3% (sometimes covered by the seller)
- Also, the funding fee can be waived if you are an eligible disabled veteran
- Flexible repayment terms
- Purchase or refinance
- No prepayment penalties
- No income limit
- 1 - 4-unit properties allowed
- Check your eligibility
Construction & Rehabilitation Loans
Construction Loans
- Short-term loans used to pay for building costs, like
- Materials
- Land
- Labor
- Permits
- Fixed and variable-rates available
- Flexible repayment terms
- Jumbo loan amounts available
Rehabilitation Loans
- Finance home renovations, repairs, or remodeling
- Buy a home that needs significant repairs or updates
- Some programs offer little to no downpayment options
- Fixed and variable-rate loans available
- Flexible repayment terms
- Jumbo loan amounts available
Jumbo Mortgage
Jumbo mortgages are available for:
- Primary residence
- Second or vacation homes
- Investment properties
- Variety of repayment terms
- Fixed and adjustable-rates available
Due to the nature of a jumbo loan, they will sometimes:
- Have a higher interest rate than a conventional mortgage
- Include stricter underwriting rules
- Require a larger down payment