Residential Mortgages

Buy a Home

Long-term, Fixed Rate

We work with secondary market contacts to provide you a solution that considers the resources your have available to qualify for the home you desire. Our lenders will convey your goals, help you develop your budget, and be a partner from application to loan closing. We specifically partner with an organization that will ALWAYS service your loan regardless of how it is sold on the secondary market so you make your payment to the same place every month and have comfort in a local advocate for your mortgage questions. This allows you to get the lowest rates and terms, in addition to the customized service you deserve.

Fixed Rate Home Mortgage

• Long-term fixed rate of interest on your mortgage loan.
• Most popular type of loan.
• Allows for precise budgeting.

Adjustable Rate Mortgage (ARM)

Certain properties don’t fit the cookie-cutter mold of the secondary market and require a local financing option that understands your property type. We offer a locally-held mortgage option that does carry a periodic interest rate change with relation to an index, which works well for customers desiring to pay off loans faster than the conventionally 30-year fixed rate market. Because these loans are held locally, they afford more customized terms and speedier transactions.

Adjustable Rate Mortgage (ARM)

• Interest rate changes periodically, usually in relation to an index
• Payments may go up or down according to rate changes
• Generally lower initial interest rates for ARMs than for fixed-rate mortgages, because you are assuming more risk.

Build A Home

Construction Loans

• Interest only payments until completion

Construction-to-Perm Loans

• This program includes lot purchase, construction finance, and perm loan – all in one
• Eliminates the need for second appraisals and additional closing costs.
• Interest only payments until completion

Refinance A Home

When to consider…

• Reduce mortgage payment by lowering the interest rate or extending the repayment period
• Decrease interest expense over the life of the loan by refinancing to a lower rate or a shorter term
• Access additional cash for home improvements, education expense, debt reduction or any other needs