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 5% 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

We can finance your building lot until you are ready to build your new home!

Home Equity Loans

Have equity in your home? Want to remodel or add a room? We offer home equity lines of credit up to 80% of your home’s value. We offer terms up to 10 years with minimal required monthly payments of just 1.5% of your outstanding balance. 

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 4.000% 4.013% $477.42
20 Year Fixed 3.875% 3.892% $599.41
15 Year Fixed 3.625% 3.647% $721.04

Rates current 7/12/19 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%. 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. The APR includes estimated prepaid finance charges of $152 and no points with this interest rate. Third party service costs are not included in the APR calculation. Actual APRs for individual loans may differ.

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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