Mortgage Loans

If you are looking for a mortgage where you make your payment locally, where you can come in and see your loan officer, where you can call and not have to talk to a machine, then we are the place for you. 

We offer:

  • Fixed Rate Loans
  • ARM Loan (Adjustable Rate Mortgage)
  • Construction Loans
  • Lines of Credit
  • Vacant Land
  • Investment Property

Our loans have low closing costs and are at a competitive interest rate.

Select A Mortgage Loan To Fit Your Financial Situation. Before you apply for your mortgage loan, you’ll need to decide which type of loan may be right for you.

  • Conventional Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your payment will always be the same. The rate on a conventional mortgage loan is generally higher than an adjustable rate mortgage.
  • Adjustable Rate Loans usually start with lower rates than conventional loans. We’ll let you know how much the rate can be adjusted over the life of the loan, so you’ll know from the beginning the absolute maximum amount you would ever have to pay. If you will be moving in a few years, or if you think interest rates will be going down, you’ll want to consider an adjustable rate since monthly payments may be lower.
  • FHA Loans offer lower interest rates, require a relatively small down payment, and are insured through the Federal Housing Administration.

Is refinancing right for you? Contact us today to see if refinancing your home loan can help you consolidate debt, lower your monthly payments or improve your loan with a better rate and term.