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Mortgage
Mortgage Loans
Whether you're buying a home, building, refinancing, or using the equity you've built, our mortgage lending team is here to help make the process simple. We offer a variety of flexible lending options with competitive rates and personalized guidance to help you move forward with confidence. No matter your goals, we'll help you find the right financing solution for your next step.
Types of Home Loans
- Conventional - 30, 25, 20 and 15-year fixed rate loans or adjustable-rate mortgage (ARM) loans.
- VA/FHA/IA Finance Authority - Loans in 30 and 15-year terms. Typically, these are lower cost with little to no down payment compared to conventional loans.
- USDA/Rural Development - Loans for properties in rural communities. More borrowers qualify with expanded guidelines for calculating debt ratios. 100% financing available.
- Fixed rate mortgages
- Adjustable-rate mortgages
- Cash out refinance options
- Student loan refinance options
Closed-end Home Equity Loans
- One-time disbursement of funds
- Amortized monthly payments
- Balance paid in full at maturity
Home Equity Line of Credit (HELOC): Learn more
- Multiple disbursement options
- Payment based on program type
- Remaining balance due at maturity
- 12-month interest only financing option
- Pre-qualification for permanent financing
Lot Loans: This type of loan is made to finance the purchase of a lot or minimal acres where you plan to build your home. This loan will be transferred to your construction loan when you begin your home building process.
The Loan Process
We'll help you understand what you can comfortably afford based on your income, credit, debt, and down payment.
Pre-qualification gives you an estimate of how much you may be able to borrow and shows sellers you're a serious buyer.
Once you've found a home and signed a purchase agreement, we'll finalize your loan application and guide you through the next steps.
Your lender and real estate agent work together to keep the process moving smoothly all the way to closing day.
Mortgage Terms, Plainly Explained
Mortgage language can feel complicated. Here are a few common terms to help you move through the process with more confidence.
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Annual Percentage Rate. APR reflects the yearly cost of borrowing, including the interest rate and certain loan costs.
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The amount you pay upfront toward the purchase price of a home.
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The difference between what your home is worth and what you still owe on it.
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An account commonly used to collect and pay property taxes and homeowners insurance as part of your mortgage payment.
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A lender review that helps estimate how much you may be able to borrow before you make an offer on a home.
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Fees and expenses paid at closing, separate from the down payment.