MOrtgages

You find your home and we’ll take care of the mortgage.  With flexible options and competitive rates, we have a mortgage for everyone.  And the best part is, you get the best in mortgage servicing and processing from friendly, local professionals.  Buying a home is an exciting process.  We want to be a part of that process and have a mortgage that fits your needs.

Mortgage Options Benefits Details

Conventional Fixed Rate

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Fixed rate loan available for new purchase or refinancing.  No PMI and cash out options are available for 1 to 4 family units.

Term: 
Up to 30 Years

Down Payment:
20%

More Details:
PMI may be required for Loan to Value (LTV) greater than 80%.

Rates

Adjustable Rate Mortgage (ARM)

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Loans begin with a fixed rate for the initial term and then adjust according to a defined index.

Term: 
Up to 30 Years

Down Payment:
20%

More Details:
PMI may be required for Loan to Value (LTV) greater than 80%.

Rates

Federal Housing Administration (FHA)

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Flexible credit requirements and low down payment requirements can help first time buyers purchase their first home.

Term: 
Up to 30 Years

Down Payment:
3.50%

More Details:
Lower maximum loan amounts.
Upfront and monthly mortgage insurance premium required.

Rates

Home Possible

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Low down payment requirements and reduced mortgage insurance coverage levels can make this option a preferred choice among first time home buyers.

Financing for a variety of home options including 1 to 4 unit primary residence, condos, PUD and manufactured homes (with restrictions).

Term: 
Up to 30 Years

Down Payment:
5.00%

More Details:
Eligibility requirement based on income.

Rates

Home Possible Advantage

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First time home buyers prefer the low down payment option and find
financing for a variety of home options including 1 to 4 unit primary residence, condos and PUD.

Term: 
Up to 30 Years

Down Payment:
3.00%

More Details:
Eligibility requirement based on income.

Rates

Purchase Money Second Mortgage

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This program allows you to obtain the money you need to purchase a new home without having to deplete your savings.

Term:
Up to 30 Years

Down Payment:
0.00%

More Details:
Loan limit up to $250,000

Rates

VA

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A Federal VA mortgage allows qualified veterans to purchase a new home with no down payment. A fixed rate provides the security of a monthly payment that will not change.

Term: 
Up to 30 Years

Down Payment:
0.00%

More Details:
VA funding fee required.

Rates

United States Department of Agriculture  (USDA)

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USDA loans allow for 100% financing of the property’s value with no down payment.  Loans are insured by the USDA.  Flexible credit requirements.

Term: 
30 Years

Down Payment:
0.00%

More Details:
Eligibility requirement based on income and property location.  Upfront Guarantee Fee required.

Rates

Investment Property

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Good option for individuals who are looking to rent out a portion of their home to tenants.  Available for 1-4 family, owner occupied residence.

Term: 
Up to 30 Years

Down Payment:
20.00%

More Details:
Property must be owner occupied.

Rates

Find a Housing Counselor

Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using the search box below, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list will show you several approved agencies in your area.

Resources

 

Mortgage Center

Buying a home is an exciting process full of challenges and rewards.  Let us be your guide through this process. Visit our Mortgage Center for FAQ’s, rates, online application and more.

 

Protect Your Loan

You know that you need home insurance, but how do you get the best deal?  Through our relationship with Liberty Mutual Insurance, we can get you a free, no obligation quote.

 

Calculators

How much mortgage can you afford?  Use our calculator to help budget in a mortgage payment and see what kind of home you can afford.