Home Mortgage Loans

• Competitive rates for home purchase, refinance, or construction
• Available for primary residence, second homes, vacation homes, or investment properties
• Nationwide Lending
• Repayment terms suited uniquely to each customer's individual situation
• Several lending programs to fit unique needs, including:
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Conventional Financing
  • FHA
  • IHDA Access
  • USDA Rural Housing program
  • VA Loan program
  • Home Possible & HomeReady Loan programs
  • First-Time Home Buyer programs
  • Jumbo Loan financing
  • Construction Loans
• Attentive lending professionals that understand the local real estate market
• Free pre-approval for extra confidence when it comes to securing financing
• Refinance your current home to potentially lower your rate
• Quick and easy online application process
• Thorough mortgage calculators that help to determine affordability, your true loan cost, and likelihood of approval
• Local decision-making and processing
• Personalized service that aligns our offerings with your needs

Fixed-Rate Mortgages

Enjoy an affordable payment with a fixed-rate mortgage for the life of your loan. Your interest-rate will never change. If you're looking for stability...your payment will always be the same.

Adjustable-Rate Mortgages

This has an interest rate that is fixed for a period of time and can increase or decrease annually. This type of mortgage may be a good choice if you're planning to move or refinance during your loan term.

First-Time Home Buyer

Your first home purchase is an exciting event. We can make it even more exciting by offering very low down payment options and competitive fixed-rates allowing you and your family to take ownership of your new home.

Conventional Financing

• Down payments as low as 3%
• Acceptable gift funds can be used for down payment
• Fixed and adjustable rate options
• No monthly mortgage insurance, if LTV is 80% or less
• Financing available on manufactured homes

IHDA Access

• Down payment assistance options
• Contribute $1,000 or 1% of purchase price, whichever is greater
• Fixed rate options
• No monthly mortgage insurance options available
• Available to first-time and repeat homebuyers

VA

• No down payment
• Seller can contribute up to 4% of sales price toward closing costs & pre-paids
• Fixed and adjustable rate options
• No monthly mortgage insurance

USDA Rural Housing

• No down payment with closing cost financing available
• Down payment assistance options
• Fixed rate options

Home Possible & HomeReady

• Low down payment
• Down payment assistance options available to qualified borrowers
• Fixed rate options

Jumbo Financing

• Down payment as low as 10%
• Fixed and adjustable rate options
• Loan amounts $510,400 to $3 million

FHA

• Down payment as low as 3.5% and may be gifted
• Seller can contribute up to 6% of sales price toward closing costs & pre-paids
• Fixed and adjustable rate options