Mortgages

We offer a variety of home loan programs. Our home loan experts will customize a program to fit your specific needs and budget. All loan approvals are made locally by folks familiar with your community. This enables us to give you the quick answer you need.

We provide mortgage loans to buy your home, build your dream home, or refinance your existing home. We also finance second homes and investment property.

Our mortgage loan options include traditional fixed rate loans up to 40 years, adjustable rate mortgages, and interest-only loans, all designed to meet your specific financial needs.

Which stage best fits your needs?

• I'm saving to buy my first home
• I'm a repeat homebuyer -- upsizing, downsizing, or moving into the home of my dreams
• I'm interested in refinancing my current loan
• I'm interested in a home equity loan

If you're saving for your first home
Check out Getting Started Checking with Getting Started Savings. This account is designed to help you save for the down payment on your future home by combining a free checking account with an above market-rate savings account. You qualify simply by agreeing to transfer at least $25 per month into your savings account from your checking.

Home Ownership Made Easy: H.O.M.E loans are designed to meet the needs of first-time homebuyers. Our MasterKey pre-approval program lets you know exactly how much you can borrow before you begin shopping for your dream home. So when you're ready to make the big purchase, we're here to help.

Here's an overview of what our program offers:

• Pre-approval up to $125,000 loan amount
• Low closing costs
• Minimum down payment, as little as 3% down payment
• Fixed Rates and adjustable rate loans available for up to 30 year terms
• Down payment & closing cost assistance funds are available for qualified borrowers
• For more details, please call or visit us.

To apply now, click here or for more information before completing your loan application, click here and a loan officer will be in touch with you within one (1) business day.

*Annual Percentage Rate (APR) is Prime plus ½%, as of 1/1/07 for Home Equity Loans of $25,000 or more. Contact us for APRs on Home Equity Loans of less than $25,000. APRs may vary. Maximum APR is 18%. “Prime rate” is the highest prime rate published on the last business day of the previous calendar month in the Money Rates table of The Wall Street Journal. Property insurance required. Flood insurance may be required. External appraisal, if required, is the responsibility of the borrower.