Home Loan Programs

We offer several home loan options whether you are buying or building your dream home, refinancing your current home or making home improvements. We have a great loan option that is just what you are looking for!

  • Customizable loans products to fit your lifestyle and financial goals
  • Low down payment choices
  • Several financing options and terms available

Contact our Mortgage Department via email

Call our Mortgage Department



Conventional Fixed Rate Loan

The most basic and common Mortgage Loan type. Ideal for those with good or excellent credit. Various terms and down payment requirements available.

  • Fixed rate and payment for the life of the loan
  • As little as 5% down payment

Jumbo Loans

If you have a higher property value and can manage larger monthly mortgage payments you should consider a Jumbo Loan.

  • Loans that are over conventional lending limits
  • Good to excellent credit required
  • Typically require higher down payment percentages
  • Certain high priced markets have a higher minimum threshold to qualify as jumbo

FHA Mortgage Loans

FHA Mortgage Loans are a federally-insured mortgage that helps buyers who are concerned about credit scores or small down payments and refinancing with minimal equity.

  • Offers flexible lending standards
  • Low down payment options
  • Minimum Down Payment as little as 3.5%
  • Originally designed to serve first-time homebuyers with less than perfect credit scores

USDA Rural Housing Loans

USDA rural housing loans offer no down payment home loans to qualified buyers
and properties. Income and geographic restrictions may apply.

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 Loans (HELOC)

Our Home Equity loans are perfect for the person wishing to access cash to start a home improvement project, consolidate high-interest debt, send a child to college, or just have a rainy day fund. Ask to speak to a Loan Officer today to access the equity in your home.

Home Equity Term and Home Equity Line of Credit loans available.

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.

  • Loan amounts from $800,000 up to $3,000,000
  • Interest-only construction term
  • Only pay your Closing Costs once
  • Lock in your interest rate upfront
  • Good to excellent credit required

VA Loans

VA Loans are offered to Veterans, active duty service members, and eligible surviving spouses.

  • Purchase and refinance available
  • Requires no down payment
  • No Mortgage insurance
  • VA Loans require a VA Funding Fee (may be financed into the loan)

*All loans subject to approval.

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We Know AgriBusiness

Our lenders work closely with Farmer Mac to ensure your lending needs are met.