Whether it’s your first house or dream house, we’re here to help you achieve homeownership affordably.

Key Features

  • Competitive Rates
  • Refinancing Available
  • Quick Decisions
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Variety of financing programs available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-qualification for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Free pre-approval for establishing a serious offer to the seller
  • Attentive, friendly service from start to finish

A fixed-rate mortgage features an interest rate that remains the same throughout the life of the loan, which means both your monthly principal and interest payment will be steady and predictable. If you are able to contribute a 20-percent down payment or more, you may be able to avoid the cost of private mortgage insurance.

  • Down payments as low as 5%
  • Amortization periods: from 10 to 30 years
  • Fixed/level payment of principal and interest for the life of the loan; interest-only payments available in some situations
  • Balloon payment options not available
  • May require private mortgage insurance

An Adjustable Rate Mortgage (ARM) may offer lower initial interest rates and can be an excellent choice of financing under certain situations like rising income expectations and short-term ownership. After a specified period, the interest rate adjusts based on a preselected index plus a margin and is generally subject to periodic and life-of-loan interest rate caps and floors. We offer terms up to 30 years with the following as options:

  • Down payments as low as 5%
  • One-year ARM: Interest rate adjusts annually
  • 3/1 ARM: Interest rate is fixed for the first three years and then adjusts annually
  • 5/1 ARM: Interest rate is fixed for the first five years and then adjusts annually
  • 7/1 ARM: Interest rate is fixed for the first seven years and then adjusts annually
  • 10/1 ARM: Interest rate is fixed for the first ten years and then adjusts annually
  • Balloon payment options not available

This type of loan offers a broad range of Fixed Rate and Adjustable Rate Mortgages (ARM's). If you’re buying your first home or looking for extra space, a conventional loan may be right for you. We offer low closing costs and flexible payment options. Conventional loans are not insured by any government agency.

FHA loans are federally insured, which may require a smaller down payment and may offer a lower interest rate than a comparable conventional loan. This might be the right loan for you if you are a first-time homebuyer or if you have limited cash for a down payment and closing costs.

  • Down payments as low as 3.5%
  • Fixed or adjustable interest rate
  • Flexible terms up to 30 years
  • Requires FHA mortgage insurance
  • Balloon payment options not available

If you have been a member of the U.S. Military, you may qualify for a VA loan to help you purchase a primary residence. VA loans are federally guaranteed, which can make home buying more affordable with a fixed interest rate and payment, no monthly mortgage insurance to pay, and in some cases, no down payment requirement. If you are a veteran, we would also like to say a special "thank you."

  • Up to 100% financing for eligible military personnel
  • Fixed/level payment of principal and interest for the life of the loan
  • Balloon payment options not available
  • Flexible terms up to 30 years
  • Monthly mortgage insurance not required

If your property is worth more than most, consider a jumbo, or non-conforming, loan. Perfect for loan amounts that exceed Fannie Mae and Freddie Mac’s maximum conforming limits. If you can handle higher monthly mortgage payments, this program is for you.

  • For primary residence, vacation homes and investment properties
  • Alternative financing option that's ideal if you:
    • Borrow an amount above conforming loan limits
    • Lack sufficient funds
    • Wish to use funds in a non-traditional way

The USDA Rural Development Guaranteed Housing Loan Program is a mortgage loan provided by the US Department of Agriculture to rural property owners and is designed to improve the economy and quality of life in rural America.

  • Long-term, fixed interest rate
  • 30-year terms
  • Income limits apply
  • Ideal for first-time homebuyers
  • Low to no down payment