Where are you on your Home Buying Journey?
Rate Guard
Conventional Fixed Rate Mortgage
- Loan terms available: 15 to 30 years
- Minimum 3% down payment required
- Discount Points are available upon request. Please contact us for more information.
6.00% APR*
Adjustable Rate Mortgage
Want a lower interest rate or lower payment compared to a traditional fixed-rate mortgage? Think interest rates may go down in the future?
Adjustable Rate Mortgages have an interest rate that may change periodically depending on the changes in a corresponding financial index associated with the loan. This means after an initial fixed period, your payment may increase or decrease based on the market. ARM loans are named by the length of time the interest rate remains fixed and how often the interest rate is subject to adjust thereafter.
- Initial Fixed periods of 5, 7, and 10 years available.
- Minimum 5% down payment required.
- Amortized up to 30 years
- Contact us for rates.
Let's Build Your Dream Home Together.
When you’re ready to build, we’re ready to assist by providing financial support as part of your construction team. We offer a two-close construction loan. This means you have two loans working together offering more flexibility through the construction process.
During construction
It starts with a short term (maximum 12 month) interest only loan while the home is being built. We work on your contractor’s schedule and timeline to ensure a smooth process.
After construction
After the home is completed, the construction loan is paid off and converted into standard conventional mortgage.
Conventional Fixed Rate Mortgage
- Competitive low rates
- Loan terms available: 15 to 30 years
- Points are available upon request. Please contact us for more information.
APR* as low as 6.000%
Adjustable Rate Mortgage
Get the benefit of a lower interest rate or a lower monthly payment with an adjustable rate mortgage. Enjoy an initial fixed interest rate period to pay down your mortgage faster.
Adjustable Rate Mortgages have an interest rate that may change periodically depending on the changes in a corresponding financial index associated with the loan. This means after an initial fixed period, your payment may increase or decrease based on the market. ARM loans are named by the length of time the interest rate remains fixed and how often the interest rate is subject to adjust thereafter.
- Initial Fixed periods of 5, 7, and 10 years available.
- Amortized up to 30 years
- Contact us for rates
Time Saver Mortgage
- No closing costs unless mortgage is discharged for any reason within three years of the loan date
- 10 and 15 year terms available, no points
APR* as low as 5.99%
Put your Home's Equity to Work!
If you need financing for home improvements, school tuition, debt consolidation or any other reason, a Home Equity Loan is the perfect loan for you. A Home Equity Loan is the difference between how much you owe on your mortgage and how much your home is worth. We have different options available, so whether you need a lump sum or a line of credit, we have the loan that best fits your needs.
Home Equity Line of Credit
- No closing costs+
- 10 year draw period with a 15 year repayment period
- Easy access to your funds by via online banking or by calling any branch
- Interest may be tax deductible; please consult your tax professional for further information
Home Equity Loan
- No closing costs
- Terms up to 15 years
- Increased borrowing power for bigger projects
- Interest may be tax deductible; please consult your tax professional for further information