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Mortgage Products

If you're ready to purchase your first or new home, we have a variety of options to meet your specific needs. Look forward to these benefits:

  • Get financing for almost any purpose
  • Local underwriting & processing
  • Experienced mortgage lenders
  • Commitment to one-on-one service
  • Streamlined application process

Fixed Rate Mortgage

By having a fixed-rate loan, you do not have to worry about rates or payments changing. The rate is locked in for the duration of the loan.

  • Multiple loan terms to suit your needs
  • Fixed-rate through the life of the loan
  • Lower down payment

Adjustable-Rate Mortgage

If you know you'll be moving within the next few years, an Adjustable-Rate Mortgage may be the answer for you. This rate is fixed for 5 years and then will adjust with the market each year after. The rate cannot change by more than 2% per year, 6% over the life of the loan.

  • Multiple loan terms to suit your needs
  • Fixed for 5 years, then variable annually
  • Higher down payment

Guaranteed Rural Housing

We are an approved lender for this special USDA financing program. This program may assist borrowers who meet income guidelines and are not eligible for conventional financing.

  • No down payment
  • Flexible mortgage insurance requirements
  • Escrow required for taxes, insurance and annual fee