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Mortgage Loan

Helping you get the keys to your future.

Mortgage Loan Features

Whether you’re looking for a new home or to refinance the one you love, we’ll work together to craft a loan that fits your unique needs.

  • Competitive Rates
  • Fast Approvals
  • Easy Online Application
  • Personal Service for the Life of the Loan
  • Fixed Rate Loans

Loan approvals subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts.

  • Jumbo Loans
  • FHA Loans
  • VA Loans
  • USDA Loans

Mortgage Loan Types:

If you’re planning to stay in your home long term, this may be the perfect option.

  • Principal and interest portion of your payment does not change during the loan term
  • Borrow up to 97% of your home’s value
  • Purchase, refinance and cash-out refinances are available
  • No pre-payment penalties
  • Primary residence, investment property, and second home financing is available
  • Private Mortgage Insurance (PMI) is required for loan-to-value ratios greater than 80%

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For financing amounts greater than $548,2501 on a single-family home, ask us about the Jumbo Loan.

  • Fixed and adjustable rate terms
  • Flexible terms available
  • No pre-payment penalties

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First-time home buyers2 can leap into this new stage of life with the FHA Loan.

  • Down payments as low as 3.5%3
  • Flexible qualification and credit requirements
  • No pre-payment penalties
  • Take advantage of gift funds for down payments and closing costs
  • Sellers can contribute up to 6% of the sale price towards closing costs
  • Multiple purchasing and refinancing options are available
  • Monthly Mortgage Insurance Premium (MIP) is required on most FHA loans along with a 1.75% upfront premium

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For those who’ve served our country, we’re honored to have a special loan to serve your needs.

  • Available to eligible veterans as defined by the Administrator of Veterans Affairs
  • No down payment required
  • No Private Mortgage Insurance required
  • No pre-payment penalties
  • Flexible qualification and credit requirements
  • Sellers can contribute up to 4% of the sale price towards closing costs
  • Purchases and refinances are available

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Also known as Rural Housing Loans, the USDA Loan is a great offering for low-to-moderate income borrowers in designated rural and suburban areas.

  • No down payment requirement
  • No reserve requirements
  • No pre-payment penalties
  • Fixed rates
  • Closing costs may be financed if appraisal value is higher than purchase price
  • Lower monthly mortgage insurance premiums compared to conventional mortgage insurance

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  1. The loan limits stated are valid through 12/31/2021. Loan limit applies to conforming loans that follow Fannie Mae or Freddie Mac guidelines.  A different loan limit may apply to FHA loans.
  2. Primary residences only. Certain property types are ineligible.
  3. Not available to everyone. Other restrictions may apply.