Mortgages

If you dream of owning a home, but you can’t afford a large down payment, you’ll benefit from our affordable 5/5 Adjustable Rate Mortgage.

• Low or no down payment (up to 100% Combined Loan-to-Value (CLTV))
• Rate can adjust once every 5 years
• Reduced Private Mortgage Insurance (PMI)
• No prepayment penalties

If you want the security of knowing that the market rates will not change your monthly payment and you plan to stay in this home for at least 10 years, consider our Fixed-Rate Loan.

• Available in 10, 15, 20, and 30-year terms
• Borrow from $50,000 to $453,100*
• Jumbo mortgages up to $1,000,000 are available
• No origination fees or points

Choose our Adjustable-Rate Mortgage (ARM) and you’ll start out with a lower initial interest rate than most fixed-rate loans. The trade-off is that the interest rate can change periodically and the monthly payment may go up or down accordingly.

• 5/1, 7/1, and 10/1 ARM with 30-year repayment terms available
• Borrow from $50,000 to $453,100*
• Jumbo mortgages up to $1,000,000 are available
• No origination fees or points

Educator and First Responder Mortgage Program 

Designed for those who help the community most, we’re here to help you save even more on your new home. Whether you’re buying for the first time, refinancing a current home or hoping to tap into your home’s equity, we have loan options for you.

• Low or no down payment (up to 100% Combined Loan-to-Value (CLTV))
• Rate can adjust once every 5 years
• Reduced Private Mortgage Insurance (PMI)
• No prepayment penalties

Are you looking to lower your monthly mortgage payment or improve the terms of your current loan? Contact us to discuss ways we can help.

Designed for homeowners ages 62 and older, a Reverse Mortgage allows you to convert part of the equity in your home into monthly income or cash without having to sell the home, give up title or take on additional monthly mortgage payments. 

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