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Mortgages
Mortgage Pre-Approval
Real estate agents often recommend that home buyers obtain pre-approval from a mortgage lender - with good reason. You'll know in advance how much home you can afford, and it will be to your advantage when negotiating the sales contract. Our Loan Originators are available to help you get started today!
Fixed Rate Mortgage
This type of loan guarantees that your monthly principal and interest payment will remain unchanged for your entire loan term, providing you with a greater sense of security in a rising interest rate market.
Adjustable Rate Mortgage
ARM loans traditionally have a lower beginning interest rate than fixed rate loans, allowing you to purchase more home up-front. Initial ARM interest rates are fixed for a set period of time, then adjust annually.
Specialty Loans
We offer loans that reduce the amount of paperwork needed to complete a loan. These types of loans are particularly beneficial for self-employed borrowers.
First Time Home Buyer Programs
We offer an array of programs for those purchasing their first home. The programs provide qualified borrowers with money saving benefits and low down payment options.
Community Lending Programs
We offer many community-minded programs that allow qualified borrowers to purchase homes with little down payment. In addition there are special home financing programs to assist teachers and municipal workers.
FHA/VA
FHA loans are federally backed mortgages that allow for down payments as low as 3.00%. VA loans are federally backed mortgages available for qualified veterans of the U.S. Armed Services. This special program permits little to no down payment.
