Mortgage Loans

Your first home? The house you always dreamed about? We have a variety of mortgage products, both fixed-rate and adjustable, to help you make a new purchase or refinance your current home.

• Down payment options
• Flexible terms
• Choose 0,1 or 2 point option to lower your closing costs or lower your interest rate
• Fixed or adjustable rates are available**
• "Jumbo" mortgages are available to accommodate larger loan requests

Fixed Rate Mortgages

• Lock in a rate and payment you can plan on

Adjustable Rate Mortgages (ARMs)**

• Adjustable Rate Mortgages often have a lower initial interest rate than longer term mortgages.
• 1-year ARM: rate adjusts annually
• 3, 5, and 7-year ARMs: fixed rate for the initial period, converting to a 1-year ARM thereafter

Refinancing Mortgages

• Lower your monthly payment
• Lower your interest rate
• Change the term of your current mortgage
• Cash-out equity for home improvements or other needs
• Available in all fixed or ARM products and in all terms above

• Reduce your closing costs by using our one-closing construction-to-permanent mortgage
• Choose a fixed- or adjustable-rate permanent mortgage
• Interest-only payments during the construction phase
• Pay interest on only the amount you have borrowed as you build
• Automatically converts to a permanent mortgage upon construction completion

All loans are subject to credit approvals.

Call, visit or email one of our consumer bankers to discuss your needs, learn about alternatives, and get informed advice that helps you achieve your goals.