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If you're considering buying a home and want more information before applying, contact one of our friendly lending experts or check out our home-buying resources below.   

If you're ready to prequalify for a mortgage loan or apply for a home loan, start by comparing the loan options below and then apply for the financing solution that fits you!  Your mortgage lender will be by your side throughout the application process. Then come back anytime to check your loan status


Home Mortgage Loan Options

In addition to these loan options, we also offer Bridge Loans for those caught between selling their existing home and buying a new one; Home Equity Loans and Home Equity Lines of Credit (HELOC) for those who want to utilize their home equity for cash; and Home Construction Loans for those who want to work with a contractor to build their new home.

Conventional Loans

Conventional Fixed-Rate Loan1

  • Up to 97% financing
  • Borrower to pay private mortgage insurance (PMI) if making less than a 20% down payment; can cancel PMI once you’ve gained 20 percent equity in your home
  • Fixed-rate loan
  • Choose loan term of 10, 15, 20 or 30 years
  • No application fees
  • No prepayment penalty
  • If you already have a mortgage and want to refinance for a different interest rate or different loan term, this loan may also be a good fit.

Apply Online

Balloon Loan

Balloon Payment Loan2

  • Up to 80% financing
  • A balloon payment loan is a mortgage that does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its larger size.
  • 15-year fixed rate
  • 30-year amortization (The longer amortization benefits the borrower with a lower initial rate and payments are spread over a longer term.)
  • Balloon payment due at loan maturity
  • Qualified borrowers can refinance their loan when it matures at the current rate
    available

Apply Online

FHA Loan

FHA Loan

  • Up to 96.5% financing
  • Loan guaranteed by the Federal Housing Administration (FHA)
  • Upfront mortgage insurance premium required
  • Monthly mortgage insurance premiums, along with monthly loan payment
  • Property condition requirements

Apply Online

VA Loan

VA Home Loan

  • No down payment required
  • Loan guaranteed by the US Department of Veterans Affairs (VA)
  • For active-duty service members, former member of the armed forces, or spouses of service members who died in the line of duty or as the result of a service-related disability with certificate of eligibility
  • No Private Mortgage Insurance (PMI) required
  • The VA home loan is a lifetime benefit. You can use the guaranty multiple times. 

Apply Online

Rural Home

USDA Rural Development Loan

  • Up to 100% financing
  • Guaranteed housing loan program by the U.S. Department of Agriculture
  • For low-income and very low-income individuals and families
  • Loan limits and income eligibility are dependent upon the county where the homebuyer intends to live

Apply Online


Homebuyers' Resources

 Homebuyer's Guide

Guide

Step-by-step, everything you need to know and do before buying a house. 

Free Download

Mortgage Loan Process

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Additional Resources

Resources


You've Got Questions, We've Got Answers

Buying a home is one of the biggest financial decisions of your life. We want you to feel comfortable asking any questions that comes to mind throughout the loan process.


Important Disclosures and Information 


Annual percentage rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender.

The following are estimated monthly payments and APR calculations. 

Conventional fixed rate – 5.75%/APR 5.793%

1The Annual Percentage Rate (APR) shown is accurate for up to a 360-month fixed-rate term, $250,000 loan amount, owner-occupied single-family residence, and a Loan-to-Value (LTV) of 80%. Payment Example: 360 monthly principal and interest payments estimated at $1,459. Subject to standard underwriting requirements. Your APR may be higher and will vary based on underwriting including, but not limited to, credit score, down payment, cash reserves, and debt to income ratio. Loan to value up to 97% may be available. Contact your mortgage lender for guidelines, restrictions, and interest rates. Rate subject to change without notice. Program can be withdrawn without notice.

Balloon Note – 5.820%/APR 5.872%

2The Annual Percentage Rate (APR) shown is accurate for up to a 180-month fixed-rate term, $250,000 loan amount, owner-occupied single-family residence, and a Loan-to-Value (LTV) of 80%. Payment Example: 180 monthly principal and payments estimated at $1,470, and a Balloon balance of $177,702 due at maturity. Subject to standard underwriting requirements. Contact your mortgage lender for guidelines, restrictions, and interest rates. Rate subject to change without notice. Program can be withdrawn without notice.

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