Longer terms keep payments low; shorter terms save money over time. This is a better option if you plan to stay in your home for a long time, or if you prefer knowing that your rate and payment will not change.

Qualifying for your home loan is based on the lower initial payments, so this loan is ideal for someone who needs a larger loan amount and lower rate. ARMs are also desirable if you plan to move in a few years, expect to earn a higher income, or would consider refinancing.

• Option to convert ARM to a fixed term for a minimal fee (costs less than refinancing)
• Adjustable rate guaranteed not to increase more than 2% yearly, or 6% over the life of the loan

We offer a variety of Fixed Rate and Adjustable Rate mortgages for loan amounts in excess of $417,000.

This loan combines the benefits of a fixed rate and smaller initial payments, with a shorter term. One large payment for the remaining balance is due at the end of the term.

This special loan program offers a lower fixed interest rate in exchange for meeting government-established qualification requirements. Below are some general qualification restrictions.

• Income limits established by region
• Purchase price limits
• Target and nontarget housing areas
• First-time home buyers (within preceding 3 years)
• Purchases only (not applicable to refinances)

Homeownership is easily attainable with this loan program specifically geared to help by giving a discounted interest rate and financing available up to 97% loan to value.

• 30 Year Fixed Rate
• Combined household income up to $58,000.00 a year
• No need to be a first time buyer

You can own a home now, when you pay nothing down and pay no PMI. One loan, with both advantages-perfect for people with good credit but not a lot of savings.

• Buyer only pays closing costs
• Primary residence
• PMI paid by Lender

Program designed to help more borrowers qualify for homeownership.

• Available up to 97% LTV
• Lower PMI Rates - in some cases PMI is now tax deductible!
• Income limits do apply

Use the equity in your current home to help you get into your new home.

• Use equity as down payment for new construction or new purchase
• Interest-only payments until your home is sold

Pay lower monthly payments in the early years of the loan, allowing you to afford more home for your money. Pay only the interest due for the first 10 years. The payment is recalculated in the 11th year to include principal and interest. This is perfect for people who plan to refinance, move, or plan to earn more income in coming years.

• Single family, primary residence
• Minimum 5% down payment

Building your dream home? We're there with your financing.

• Interest-only payments on funds drawn
• Easy conversion to permanent mortgage

Buying a Lot? We offer a variety of Adjustable Rate mortgages geared specifically for Lot purchases.