Loan Products

A traditional way of financing that gives you the safety and security of fixed monthly payments during the term of your loan.

Flexible loan terms ranging form 15, 20, and 30 years.

Pay your home off more quickly by making your mortgage payment every two weeks. By reducing the amount of interest you pay you effectively pay down your outstanding loan balance. Paying half your mortgage payment bi-weekly is the equivalent of making 13 monthly payments a year.

Amortization periods up to 15 years.

A shorter fixed rate loan which involves smaller payments for a certain period of time and one large payment for the entire balance due at the end of the loan term. If the borrower meets certain predetermined qualifications prior to maturity the loan can reset into a fixed rate end loan.

Amortization periods up to 30 years.

The initial ARM interest rate is traditionally lower than a fixed rate, resulting in lower monthly payments. ARM options feature rate caps that limit how much your loan rate can increase at each adjustment period over the life of the loan.

Amortization periods up to 30 years.

Build your dream home with our construction mortgage plan. Your funds are disbursed to the contractor as your home progresses through construction. Once your home is complete your loan will phase into a fixed rate end loan that suits your needs.

A one-time, low-cost closing makes it easier than ever to go from blueprints to building to moving into the home of your dreams. Pay interest only payments during construction. Once your home is complete your loan will phase into a fixed rate end loan that suits your needs.

Manufactured housing is a wonderful opportunity to own a home. Our purchase and refinance options allow you to reach your goal by choosing what’s best for you.

Are you looking for a piece of land to have all to yourself? Have you found the perfect location but are just not ready to build? Purchase the land and have time to design your dream home.

Federal Housing Administration (FHA) loans offer competitive interest rates with easier qualification. A great product for first-time home buyers, those with less than perfect credit, or home buyers that don’t have a lot of money to put down on a house.

Great for homes located in eligible rural areas. With flexible credit and expanded qualifying ratios, along with a zero down payment option borrowers with non-traditional credit histories may be eligible. The qualified property types include existing and new construction single family residences, condominiums and Planned Unit Development’s (PUDs).

A Veterans Administration (VA) mortgage is a home loan available only to ex-servicemen and women as well as those on active duty. Eligible borrowers may qualify for 100% financing.