As you find the right house for you, do the same with your financing. We offer a variety of programs to fit your lending needs.

Key Features

  • Variety of Programs
  • Competitive Rates
  • Local Processing
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Variety of financing programs available
  • Helpful loan advisors with working knowledge of the local real estate market
  • Pre-qualification available for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Conventional

We offer home buyers both Fixed Rate and Adjustable Rate mortgages.

FHA (Federal Housing Administration)

Qualified borrowers are allowed smaller down payments and flexible credit terms.

VA (Veterans Administration)

Available to all qualified Veterans and in-service personnel.

Down Payment Assistance *

Grants for qualified First Time Home Buyers, Community Partners, and our Military buyers.

USDA

Guaranteed rural housing loan. No down payment needed.

Jumbo

Created primarily for large loans on higher-priced properties.

Second Homes

For purchasing, building, or refinancing beach, lake or other resort homes.

Investment Property

For properties to be used as rentals.

Refinancing

For cash out, lower interest rate and mortgage payment, or to shorten your term.

Construction to Permanent Financing, One-Time Closing

Save time and money when building your dream home. Our Construction to Perm program is a one-time closing for the construction and long term financing of your home.

Residential Lot Loans

Purchase the lot for your dream home!

Reconstruction / Renovation

Improve your home, no matter how big or how small the need.

Contact a Mortgage Professional

Prospective depositors and/or borrowers must be of legal age to apply for a loan or deposit. 

*While funds are available.

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