Mortgage Options

Buying, building, or refinancing a home? We can help.

Take the guesswork out of how much house you can afford by determining your budget.  Use the Mortgage Calculators to calculate monthly payments, determine if refinancing is a good idea or the difference between renting vs owning a home. 

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Mortgage assistance available for qualified applicants 

Through our Plan Your Way Home1 process, whether you are a first time home buyer or interested in refinancing your existing home,  we  can help you determine which assistance programs you may qualify for. One of our current lender programs may provide up to $5,000 toward closing costs and pre-paids such as property taxes, homeowners and/or flood insurance if applicable.  

Visit Plan Your Way Home for more information and details. 

When you find the right house, explore your mortgage options.

Our experienced local lenders can help you navigate the homebuying process with competitive rates and terms on a variety of mortgages. Certain credit criteria apply.

FHA (Federal Housing Administration)

  • Low down-payment
  • Upfront mortgage insurance premium required plus monthly mortgage insurance
  • Fixed rate

Conventional (not backed by government)

  • Low down-payment
  • Can require private mortgage insurance
  • Fixed rate

Veterans Administration -Veterans only

  • 100% financing
  • Upfront funding fee
  • Fixed rate

Rural Development (Government insured)

  • 100% financing
  • Most often used by homebuyers who expect long term ownership of the home
  • Rural Areas
  • Guarantee fee

Jumbo Loans (exceeds max size of conforming loan)

  • For loans that exceed maximum size of conforming loan, typically limited to $548,250
  • Up to $3,000,000 with programs meeting qualifications

Personal Guidance,  Expertise & Local Lenders

Whether you’re a first-time homebuyer, refinancing or building your dream
home, our experienced lenders will help you navigate your journey offering competitive rates and terms on a variety of mortgage types.
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Prefer to build? 

 

ONE TIME CLOSE CONSTRUCTION LOAN

Two loans in one with only one closing. Payments are interest-only during the construction period, and when your home is complete, your loan will modify into a full amortization with principal and interest payments and payments for insurance, taxes and mortgage insurance (if applicable2).

LOT LOANS

A lot loan can bring you one step closer to making your dream home a reality. We have up to 90% financing, but your financing percentage could be determined by your loan amount, credit worthiness and other factors. Lot loans cannot be applied for online, but our bankers in a financial center near you can assist you with this loan. Or, have a banker contact you

 

 

Review your rate options.

Whether you’re building, buying or refinancing, our mortgage loans include competitive rates and terms and choices to match your plans for the future.

Fixed-Rate Mortgage

A popular option for homebuyers who plan to stay in their home a long time.

Features include:

  • Interest rate does not change for the life of the loan even if market rates rise.
  • Your principal and interest payment remains the same for the life of the loan. However, your actual payment can change if your mortgage insurance, property taxes and homeowners insurance is escrowed as part of the payment. 
  • No prepayment penalties or partial for full payment before the maturity date

Adjustable-Rate Mortgage3

Suitable for homebuyers planning to stay in their homes a short time, or if their income is likely to increase in the future.

Features include:

  • At the beginning of loan, the initial interest rate is usually lower than a fixed-rate mortgage, but resets after a predetermined period of time and floats throughout the life of loan. This means payments can rise or fall during the adjustment periods.
  • There is not a fee for paying off your home sooner than your term. 

Let's talk today

Want to talk about reducing your rate, paying off your loan sooner or lowering your payments?
Reach out to a local mortgage banker today.

Find a Mortgage Lender

Other terms and conditions apply. See your mortgage loan officer with any questions. 

1To qualify for assistance, certain eligibility requirements must be met and can include the following: generally, the property must be located in the program’s targeted area, and certain purchase price, loan, and income limits may apply. Additionally, when an applicant’s total application income exceeds 80% of the HUD median income for the area, some programs require that the property must be located in a low, moderate, or majority minority census tract. Purchase and appraisal limits apply. Purchase or rate/term refinance transactions only.  Limited to Conventional, Government (for the FHA loan program, assistance is subject to minimum down payment program requirements), VA, and Rural Development loan programs. The Plan Your Way Home lender credit is currently available in selected areas. See a Community Lending Specialist for more details.

2 If an escrow account for tax, insurance and/or mortgage insurance payments is required or requested, then additional monies may be due at time of modification.

3Adjustable-rate mortgages generally feature lower rates and payments early on in the loan term, with rising rates and payments over the life of the loan. See a banker for details.