Mortgage Loans

Personal mortgage services include:

• Adjustable- and Fixed-Rate Mortgage Loans
• Home Equity Lines of Credit and Loans

Mortgage Loans

Every home buyer's needs are unique. We offer a variety of mortgage solutions with various terms, down payments and interest rate options. Whether you're purchasing your first home or building your dream home, we have the mortgage to fit your needs. Plus, loan decisions are made locally, allowing us to personalize and simplify the entire mortgage process - from pre-qualification to closing.

The Power of Pre-Approval
For serious home buyers, we recommend a mortgage pre-approval. This service is based on your verified financial, employment and tax information as well as your individual credit score. A pre-approval provides you with valuable leverage when negotiating with sellers, builders and realtors.

Refinancing
If you currently have a mortgage with a higher interest rate, consider refinancing to enjoy today's low rates. Refinancing can save you thousands of dollars in interest charges over the life of your loan. Contact a mortgage specialist to help determine if refinancing makes sense for your situation.

• Conventional Financing
• First-Time Home Buyers
• We offer lending products to meet first-time home buyer and newly single mortgage needs.

Fixed Rate Mortgage

• Guaranteed fixed interest rate for the entire term of your loan, whether 10, 15, 20 or 30 years.
• Interest-only options are available.

Adjustable Rate Mortgage

• This type of mortgage offers rates that are set for 1, 3, 5 or 7 year periods.
• You have the assurance of yearly and lifetime rate caps.
• Interest-only options are available.

Jumbo Mortgage

• This mortgage is for qualified buyers who want to borrow more than $417,000.00.
• We can often tailor a mortgage to your unique situation.
• Jumbo mortgages are available with fixed or adjustable rates, and with no points.
• Interest-only options are available for this product.