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Mortgage Center

 Home Loans

Our real estate lending team can help you reach your mortgage and financial goals.  Whether you are purchasing a home, refinancing your current home or looking for funds to complete a home renovation or build a new home are here to help.


Home Purchases:
  • Conventional
    • 30, 25, 20 & 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 areas. More borrowers qualify with expanded guidelines for calculating debt ratios. 100% financing available. 
Refinances:
  • Fixed rate mortgages
  • Adjustable rate mortgages
  • Cash out refinance options
  • Student loan refinance options

 CLICK APPLY NOW TO START THE HOME PURCHASE OR REFINANCE APPLICATION PROCESS 


Home Equity Loans

Our Home Equity loan or line of credit can give you the flexibility to make renovations to your home, take a vacation and so much more!

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):
  • Multiple disbursement options
  • Payment based on program type
  • Remaining balance due at maturity

CLICK APPLY NOW TO START THE HELOC APPLICATION PROCESS 


Construction Loans

If you’re looking to build your dream home from the ground up, home construction loans could pave the way.
  •  12 month interest only financing option
  • Pre-qualification for permanent financing

Lot Loans Available:  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.

CLICK APPLY NOW TO START THE CONSTRUCTION APPLICATION PROCESS 



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