First Mortgage Loans

• Purchase or refinance
• Primary Residence, Second Home, or Investment Property
• Loan terms 10 years to 30 years
• Financing up to 97% of contract price for purchase or rate/term refinance, depending on occupancy status
• Financing up to 80% of appraised value for cash out refinances
• Competitive fixed rates – multiple options for points and closing fees
• Pre-approval to help determine loan amounts, payments, closing costs

Fixed Home Equity Loans

• Home Improvement, refinance, debt consolidation, many other reasons
• Primary Residence only
• Loan terms 5 years to 15 years
• Minimum loan $10,000; Maximum loan $100,000
• Receive all funds up front, fixed monthly payment
• Financing up to 90% of value minus 1st mortgage balance

Home Equity Line of Credit

• Home Improvement, tuition, many other reasons
• Primary Residence only
• Loan Terms: 10 years or 20 years
• Borrow only as much as you need, when you need it
• Pay interest only on amount borrowed
• Choose Variable Rate with 10 year draw period and 10 year repayment period (financing up to 80% of value minus 1st mortgage balance)
• Or choose Fixed Rate with 10 year draw period and balloon (financing up to 80% of value minus 1st mortgage balance)
• Minimum loan $10,000; Maximum loan $100,000 for variable rate or $50,000 for fixed rate
• Monthly payment options

We also offer Developed Land Loans and Construction Loans. Please call Debbie Dill at 664-6000 ext. 186 for details.

EASY APPLICATION PROCESS: Apply online using the link below, or ask for assistance at any of our branches.