Looking for a new home?  We are here to help.  We offer several in-house options or can help you with secondary market options as well.  Let any loan officer visit with you today about how we can help you move into the home of your dreams!

1, 3, or 5-YEAR BALLOON

Our balloon’s have an interest rate that is fixed for 1, 3, or 5-years.  These loans may be adjusted after the initial set period has ended. 

FIXED RATE LOANS

Fixed rate loans have an interest rate that does not change over time.  These loans are typically repaid over a 15 to 30-year period.  We offer in-house fixed rate loans for up to a 30 year period.  We also offer 30 year loans through the secondary market.

ADJUSTABLE RATE MORTGAGE LOANS

Adjustable Rate Mortgages (ARMs) have an interest rate that is adjusted periodically. Adjustments are normally made annually. An ARM's initial rate is usually below that of the fixed rate loan, but future adjustments could cause the ARM rate to exceed that of fixed rate loans.

HOME EQUITY LOANS

Home equity loans allow the borrower to use the equity in their home for virtually any purpose.  Funds may be used for home repair, debt consolidation, or education expenses.  The maximum amount borrowed may not exceed 80% of the home’s appraised value. 

INTERIM CONSTRUCTION LOANS

Interim construction loans are short-term in nature - usually 6 through 9-months.   After the home is built, the interim construction loan is converted into a balloon or fixed-rate mortgage. We also offer a "one time close" loan for new construction.  

HOME IMPROVEMENT LOANS

Home improvement loans are used to make repairs or add additional features to an existing home.  

 To Apply, visit any branch office for complete application packet.