Mortgages

Whether you're purchasing your first home, buying a car, refinancing an existing mortgage, or wanting to take that dream vacation, we offer a loan product that's right for you. You'll find our rates attractive, plus we pride ourselves on the level of personal customer service and attention to detail we give you throughout the entire lending process.

Let us make home buying the pleasure it’s supposed to be. Learn more about how we can help, and get pre-qualified.

Residential Loans

Fixed Rate Mortgages

We offer fixed rate mortgages with terms of 10, 15, 20, and 30 years for either the purchase or refinance of single family properties. Rates are based on the down payment, number of points paid, and whether the loan's servicing is released or retained.

Initial Interest Only Mortgages

We offer an Interest Only fixed rate mortgage product that has a specified initial period of interest only payments followed by an amortizing period of principal and interest payments. This servicing released product requires the escrowing of real estate taxes and homeowners insurance.

Adjustable Rate Mortgages (ARMs)

Adjustable rate mortgages are offered for the purchase or refinance of both single and multi-family properties. Rates are based on the product choice, down payment, number of points paid, and whether the loan's servicing is released or retained. We offer a complete array of 3/1, 5/1, 7/1 and 10/1 ARMs.

First Time Home Buyer

Looking to buy that first home? Let us help you make that dream become a reality. Our First Time Home Buyer loans offer low down payment requirements, flexible qualifying ratios, and attractive pricing.

Reverse Mortgage

62 or older? Let us help you tap into your home equity with no monthly payment. This loan allows seniors to stay in their homes and remain self-sufficient. We are here to assist you, just give us a call.

Construction and Land Loans

Permanent Construction Loans

Enjoy the convenience of only one closing with our permanent construction loan. Make interest only payments during the construction period and then the loan automatically converts to principal and interest payments once construction is complete.

Builder Construction Loans

We think you will find our builder construction loan to be one of the best around. With a flexible disbursement schedule, interest only payments for 12 months, and generous loan to value ratios, our product is tough to beat.

Land Loans

Thinking of building that dream home? Let us help you take the first step by financing the purchase of the land. Our land loans are available for a maximum term of 15 years at an attractive prime based interest rate.

Commercial Real Estate Loans

We offer competitive rates and terms for the purchase or refinance of commercial real estate. Not only do we offer a traditional adjustable rate product, but we also offer a fixed rate loan with terms up to 15 years.