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First Mortgages

Why refinance? Refinancing can be a helpful tool for home improvement, debt consolidation or simply lowering your monthly payment.

  • Refinance options up to 95% loan-to-value
  • Fixed-rate and adjustable rate terms available
  • Reduce your interest rate and monthly payment
  • Build equity faster by shortening the term of your loan to 15 or 20 years
  • No pre-payment penalties

Note: Homes currently listed for sale are not eligible for refinancing.

Learn more or refinance your home today

Mortgage Rates and Disclosures

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An additional home used for income generating purposes.

  • Minimum down payment as low as 20%
  • No pre-payment penalty
  • Minimum loan amount of $25,000
  • Maximum loan amount of $417,000
  • Terms: 15, 20 and 30 year fixed

Learn more or apply for an Investment Property Loan

Mortgage Rates and Disclosures

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Adjustable Rate Mortgages (ARMs) offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

  • 30 year terms available
  • No pre-payment penalty
  • Competitive closing costs
  • Loan payments can be made automatically
  • For Primary Residences only

Learn more or apply for an Adjustable Rate Mortgage

Mortgage Rates and Disclosures

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Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

  • Level principal and interest payments for the full term of the loan
  • No risk that changing market conditions will increase your montly payments
  • Terms: 10, 15, 20 and 30 year fixed 

Primary Residence 

  • Minimum down payment as low as 5%
  • No closing cost option
  • No pre-payment penalty
  • Minimum loan amount of $25,000
  • Maximum loan amount of $850,000
  • Terms: 10, 15, 20 and 30 year fixed

Second Home 

  • Must be located 50 miles from primary residence
  • Minimum down payment as low as 10%
  • No pre-payment penalty
  • Minimum loan amount of $25,000
  • Maximum loan amount of $417,000
  • Terms: 10, 15, 20 and 30 year fixed

Learn more or apply for a Fixed Rate Mortgage

Mortgage Rates and Disclosures

Need more information