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MORTGAGE

Get the home of your dreams.

Let us do the heavy lifting.

Whether you’re buying a home, building, or refinancing, it’s often one of the biggest decisions of your life. We’re here to guide you through the process every step of the way. From the application and approval letters to budget and loan options, we know you have a lot on your mind. Let us take worrying off your plate, so you can make your home-buying more enjoyable!

Because we’re a local bank, we can make quick decisions to help keep your financing moving forward.

Your Mortgage Banking Options

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Purchase

When buying your home, we will help you choose the best option to suit your needs. We offer various mortgage loan programs so you can choose the option that’s right for you.

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These include:

  • Conventional
  • Portfolio
  • USDA Rural Development
  • FHA
  • VA mortgage programs
Refinance

Refinancing your mortgage can offer some valuable benefits, including…

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  • Lower interest rate
  • Lower monthly payment
  • Reduced lifespan of your loan
  • Home improvement projects
Construction Loans

Buying a lot and building a home can be a very exciting yet stressful time. Our local mortgage lenders will be there every step of the way.

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  • Our lenders begin by working to get you pre-qualified for your new construction loan
  • Establishing the budget and financial expectations will give you the freedom to enjoy the process of choosing plans and designing your new home
  • Your Construction loan is structured like a line of credit, advancing funds as your project progresses
  • Once your project is complete, we have a variety of loan programs available to fit the needs of your permanent financing
Home Equity Lines of Credit

Your home is one of your most valuable financing tools! If you have lived in your home for several years, paid a large down payment, or increased your home’s value, chances are you have lendable equity in your home.

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You can use the equity for home improvement projects, education, vacations, and more!

Once you establish a Home Equity Line of Credit (HELOC) with us, you can access these funds anytime. You only need to pay interest on the amount outstanding, and you may be able to deduct the interest you pay. (Always consult a tax professional.)

Home Equity Term

A home equity term loan allows you to use the equity in your home for other important investments such as home improvements, education, vacations, and more.

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The difference between this and a HELOC is that you get your cash up front. The interest and monthly payments are fixed for the term of the loan. The interest rate will be lower than most other types of loans and credit cards, and you may be able to deduct the interest you pay. (Always consult a tax professional.)

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Call or email us to get started with the best option for you!

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