Mortgage Loans

Your local Home Loan Solution

Whether you want to Build, Buy or Refinance your home, we have the solution.

Fixed Rate Mortgages*

For when you want to secure a mortgage rate that stays the same throughout the life of the loan. Make consistent loan payments and keep the rate you love with a Fixed Rate Mortgage.

• Available for purchases or refinancing
• Get a variety of Repayment Terms
• Choose between Biweekly or Monthly Payments

Adjustable-Rate Mortgages (ARM)*

With an ARM, your mortgage rate will start low and adjust with the market over time. With this loan, you can have more financial freedom
at the start of your loan and the opportunity to change to a fixed rate later. If you think you might sell your home during the earlier years of
ownership or like the idea of lower initial mortgage payments, an ARM might be your perfect solution.

• Available for purchases or refinancing
• Long Term Repayment
• Periodic and Lifetime Rate Caps

Construction-Permanent Loans*

If you’re planning a home construction project, we’ve got your solution for funding it. Lock in financing for construction and your future home all in one loan.

• Interest-Only Payments during the 12 month construction period
• Customizable Disbursement Schedule
• Various Fixed Rate Repayment Terms available

USDA – Guaranteed Loan Mortgages*

If you think your credit score or your ability to make a substantial down payment might stop you from buying a house, we have a solution for you! Guaranteed Loan Mortgages help make homebuying on a budget possible.

• 100+% Financing Available
• 1.00% Guarantee Fee Included in Your Loan Amount
• 0.35% Annual Fee
• Available for Single-Family Homes in Eligible Rural Areas (Condos ineligible)
• Income Limitations Apply

Land Loans

Have the means to purchase a buildable lot but not quite ready to break ground? A Land Loan is a great solution.

• Fixed Rate with Short Repayment Term
• 60% Financing Available
• Other Conditions Apply