Mortgage Loans

 

Home Lending Made Easy

As your local community bank we offer simple financing options so you can find the best home loan for your needs with the lowest costs possible. Whether this is your first home or your forever home let us guide you through the process every step of the way! Our skilled and local loan officers are ready to meet your needs.

Residential Mortgage Lending

LOW CLOSING COSTS! We offer fixed rate loans with as little as a 3% down payment on a home purchase. We have local loan officers in each of our six convenient branch locations. With our in-house processing and underwriting, our decisions are all made locally. Our local decision making often allows what other lenders cannot! Need to refinance? We can do that too! Refinances include cash out up to an 80% loan to value. 

Ready to get started?

Contact any one of our branch officers, and we can begin with the following documentation:

  • Two years proof of income and work history (W2’s, 1099’S, Full tax returns if self-employed)
  • Two of your most recent year to date paystubs
  • Two of your most recent bank statements
  • Purchase or Building Contract if applicable

Contact Us See Our Rates Calculate Your Payment

Construction Loans

We dare you to compare our construction loan closing costs. You can even lock in your rate at the time of application. Quick draw times provide quick payments to your builder. 

Lot Loans

Are you dreaming of building a new home? Let us finance your new lot with a lot loan until you are ready to build. We only require 20% down and no timeline in which to build in.

Home Equity Loans

Do you have equity in your home and want to use that equity for a home remodel, new addition, or even a dream vacation? We offer home equity lines of credit up to 80% of your home’s value. Interest only payments for the first ten years, providing low monthly payments!

Bridge Loans

We can provide a 12 month interest only payment on the equity in your current home while you purchase or build your new home.

Home Loan Rates

ProductRatesAPR*Payment
30 Year Fixed 3.375% 3.411% $442.10
20 Year Fixed 3.375% 3.426% $573.56
15 Year Fixed 2.875% 2.940% $684.59

Rates current 11/15/21 and are subject to change.

*APR = Annual Percentage Rate. All examples above are based on a $100,000 loan amount with a down payment of 20% (80%,*LTV = Loan to Value). Mortgage insurance may be required for LTV’s greater than 80%. Payments are for principal and interest only and do not include escrow for taxes or insurance premiums. All rates are based on owner occupied dwellings, 45 day rate lock, no-cash out on refinances and a minimum credit score of a 720 applies. The APR includes estimated prepaid finance charges of $452 and no points with this interest rate. Actual APRs for individual loans may differ and third party service costs are not included in the APR calculation.

Financial Calculators

Trying to decide whether to buy or rent? Want to know your mortgage payment or if you should refinance? Our Home Financing calculators can help.

CALCULATORS

 

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