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 as low as 5%*
• 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