Our loan department can offer you a range of options, from purchasing
home, constructing your home, home equity loans and refinancing your current loan. See how much
you can save by financing your home with us.
15, 20 and 30 Year Fixed Rate Loans
These loans allow the homeowner the comfort of knowing their interest
rate is fixed, and will not change during the life of the loan.
30 Year Callable Loans
Fixed rate loan for the first 15 years and then is subject to being
and payable in full anytime after the initial 15 year period. The
is generally lower than the 30 year fixed rate loan. This is a good
individuals who move often or refinance every few years.
This product allows the borrower to finance at a higher loan to value
The 80 refers to a 80% first mortgage, the 10 refers to a 10% second
mortgage, and the final 10 refers to a 10% cash down payment. This is a
good alternative to the insured loan.
This refers to a loan that is above the 85% loan to value ratio, and
Private Mortgage Insurance (PMI). This product allows the borrower to
finance at a higher loan to value ratio, therefore reducing the cash
close the loan. The PMI is paid by the borrower in the escrow payment.
When building your new home, we are able to combine your construction
loan and permanent loan into one loan. With one loan this means one
closing, lowering the closing costs to the borrower. This also allows us
lock in your interest rate prior to construction.