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Mortgage Loans

Mortgage Loans

Home Loan Programs

We offer several home loan options whether you are buying or building your dream home, refinancing your current home,  purchasing a second home, vacation property, rental properties or making home improvements we have a great loan package that is just what you are looking for. We are Your Friendly Bank© so our lenders will be there from application to loan closing to make sure closing happens with no surprises. And we can customize your loan to meet your individual needs. Our home loan programs offer low down payments and several financing options including fixed rates.

Click here for our Online Mortgage Center

Conventional Loans

We have a variety of conventional home mortgage financing programs to help meet your needs. Our goal is to give you the peace of mind that you have the best loan department working for you.  Because we are a community bank, we know the local market and have great relationships with experienced realtors, appraisers and title companies in our area.

Jumbo Loans

If you have a higher property value and can manage larger monthly mortgage payments you should consider a Jumbo Loan.   Jumbo Loans are a convenient way to finance property and eliminate the need for two loans.

Jumbo One Time Close Construction Loans

You can lock in your rate now, and you're not going to be subject to interest rate increases that can take place between the time construction begins and when construction is completed.  Minimum Loan is $500,000.00.

USDA Rural Housing Loans

USDA rural housing loans are offered to low and moderate income families living in rural areas. This program provides up to 100% financing of the purchase price.

FHA Mortgage Loans

FHA Mortgage Loans are a federally-insured mortgage that help offer flexible lending standards for buyers with concerns about credit scores or small down payments, and refinancing with minimal equity.

VA Loans

VA Loans are offered to Veterans, active duty service members and eligible surviving spouses who qualify and requires no down payment and no mortgage insurance.

Construction Loans

Our financing specialists can provide loan options that fit your budget and home financing goals, freeing you to focus on floor plans and faucet styles. Ask to speak to a Loan Officer to begin your new project today.

Home Equity Line of Credit (HELOC)

Our HELOC product is perfect for the person wishing to make home improvements, fund intermittent needs, or simply have an emergency fund for unexpected expenses. Ask to speak to a Loan Officer today to access the equity in your home.
 

Contact us for more information.
 
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