Mortgage Purchase and Refinance

We want you achieve your homeownership dreams. If you are a first-time buyer, an experienced purchaser or need help with home improvements, our team of experienced mortgage professionals will work with you to find the loan that’s right for you. Throughout the process, our goal is to make you feel confident by answering your questions and explaining your options. We can provide you with information regarding accessing secondary markets for traditional conforming loans or we can share our other portfolio product information for more unique circumstances. Either way, we‘ll be happy to walk you through the process.

  • Local decisions
  • Local servicing
  • Fast turnaround
  • Competitive interest rates

Benefits of Refinancing:

  • Lower your monthly payment expense
  • Shorten the term of your loan
  • Switch to a fixed rate mortgage
  • Take cash out of your home

Fixed Rate Residential Mortgages

Fixed rate mortgages offer the security and stability of fixed interest rates and loan payments that remain constant. If you are planning to stay in your home for seven years or longer, this may be a great option for you.

We will partner with a number of FNMA mortgage bankers to find you the best loan for your needs.

Adjustable Rate Mortgage

If you need monthly payments that are lower initially, or if you plan to relocate or trade up within a few years, an adjustable rate mortgage (ARM) may be your best option. ARMs offer greater flexibility as a part of our portfolio and in many cases work better in your local market. 

  • 3/1 ARM – The interest rate and monthly payment are fixed for the first 36 months and then change annually. The interest rate change is “capped” at 2% per adjustment and 6% over the life of the loan.
There are also financing options for seasonal homes, land and investment property. Contact us today discuss the terms and rate options available. 

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Residential Construction Loans

We will help you realize your dream house. Our construction loans are simple and convenient and, our loan disbursement process is managed internally for better customer service.

  • Up to an 18-month term
  • Competitive rates and fees
  • Up to 65%–70%

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Home Equity Loans

Unlock your home's hidden potential with our Home Equity Line of Credit. We make it easy and affordable to secure funds for all your projects. If you need the flexibility of access to funds for large expenses, now and in the future, a home equity line of credit could be the right option for you.

Our Equity Lines of Credit are customized to your needs. If you need money for education costs, home repairs, remodeling, even a wedding, our Equity Line of Credit may be the solution. We make the process simple and convenient.

  • Low fees
  • Competitive rates
  • Attractive terms

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