Home Purchase and Refinance

We want you to achieve your homeownership dreams. If you are a first-time buyer, an experienced purchaser or need help with improvements, our team of experienced mortgage professionals will work with you to find the loan that’s right for you. Throughout the process, our goal is to make you feel confident by answering your questions and explaining your options. We can provide you with information regarding accessing secondary markets for traditional conforming loans or we can share our other portfolio product information for more unique circumstances. Either way, we‘ll be happy to walk you through the process.

  • Local decisions
  • Local servicing
  • Fast turnaround
  • Competitive interest rates

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Fixed Rate Residential Mortgages

Fixed rate mortgages offer the security and stability of fixed interest rates and loan payments that remain constant. If you are planning to stay in your home for seven years or longer, this may be a great option for you. While lending requirements have changed and qualifying is more restricted due to the recent recession, there are options available. Please come in to discuss your options.

Adjustable Rate Mortgage

If you need monthly payments that are lower initially, or if you plan to relocate or trade up within a few years, an adjustable rate mortgage (ARM) may be your best option. ARMs offer greater flexibility as a part of our portfolio and in many cases work better in your local market. 

  • 3/1 ARM – The interest rate and monthly payment is fixed for the first 36 months and then change annually. The interest rate change is “capped” at 2% per adjustment and 6% over the life of the loan.

There are also financing options for seasonal homes and camps, land and investment property. Contact us today discuss the terms and rate options available. 

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Residential Construction Loans

We will help you realize your dream house. Our construction loans are simple and convenient and, our loan disbursement process is managed internally for better customer service.

  • Up to an 18-month term
  • Competitive rates and fees
  • Up to 65%–70%

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Home Equity Loans

Unlock your home's hidden potential with our Home Equity Line of Credit. We make it easy and affordable to secure funds for all your projects. If you need the flexibility of access to funds for large expenses, now and in the future, a home equity line of credit could be the right option for you. We're here to help you navigate toward your dreams.

Our Equity Lines of Credit are custom fitted to your needs. If you need money for education costs, home repairs, remodeling, even a wedding, our Equity Line of Credit may be the solution. We make the process simple and convenient.

  • Low fees
  • Competitive rates
  • Attractive terms

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