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| Conventional Loan |
| Rural Development Loans (RD) |
| Veterans Administration (VA) Insured Loans |
| Home Equity Line of Credit (HELOC) |
| Construction Loans |
| In-house Loan |
| Federal Housing Authority (FHA) Insured Loans |
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Conventional Loan
Conventional loans offer up to a 30 year term option. Conventional loan products gives you a fixed rate and principal and interest payment for the term of the loan.
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Rural Development Loans (RD)
Rural Development (RD) Loans are backed by the U.S. Department of Agriculture (USDA). This product offer low, fixed interest rates for the term of the loan with little to no down payment. Eligibility for these loans are based upon geographical location and income requirements.
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Veterans Administration (VA) Insured Loans
VA Loans are a government guaranteed housing program that requires little to no down payment. This product is available to qualified veterans or their widow or widower who have not re-married.
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Home Equity Line of Credit (HELOC)
Ours lenders can help you turn the equity in your home into quick access to the money you need. This revolving line for credit is secured by a mortgage with a variable interest rate up to 10 years.
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Construction Loans
Your dream home is closer than you think. Our mortgage lenders are here to help you from start to finish. Construction loans are a revolving line that you pay monthly interest payment on the amount you borrow. Once the constriction phase is complete, we will work on the final phase of terming out your loan.
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In-house Loan
In-house loan are available for amortization terms up 30 year with a balloon amount after first 6 years. These products are servicing in house and you have the convenience of making your payment at any of our locations or on our online banking.
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Federal Housing Authority (FHA) Insured Loans
Federal Housing Authority (FHA) Insured Loans are a government guaranteed housing program. This product is great product for borrowing who are working on building their credit with low to moderate income. FHA had been helping individuals become homeowners since 1934.
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $484,350 with closing costs of $9,687. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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