Mortgage Loans

Looking to Buy a Home?

We have several lending options available. Check out our resources to help you purchase your next home.

First hoME Loan

Our First hoME Loan can help you build equity faster and save your money with lower monthly loan costs than a Federal Housing Administration (FHA) loan! Put more of your monthly dollars towards paying down your mortgage so that your mortgage is paid off faster.

• 10% down payment and no Private Mortgage Insurance (PMI)
• Down payment can be a gift
• In-house servicing
• Experienced lenders to walk you through the process

hoME Opportunity Mortgage

Home ownership doesn’t have to be out of reach.

• Down payment as low as 3%
• No monthly mortgage insurance premium
• Owner-occupied, purchase transaction
• Available for 1-2 unit homes
• Gifts and grants are allowed
• Homebuyer education is required

Construction Loans

Our 2-phase construction loans make it easy to build the home of your dreams.

• 12-month construction phase
• Interest-only payments during construction phase
• Fixed interest rate
• Converts to a traditional mortgage at the end of construction phase
• Only one closing, saving you time and money!

Mobile Home

Manufactured to make you feel at home on your land.

• Fixed interest rate
• Down payment as low as 5% with private mortgage insurance
• Owner occupied primary residence or second home
• Mobile Home must be 25 years or newer
• Must be permanently affixed on owned land

Biweekly Loans

Accelerate your payments and the pay-down of your loan.

• Fixed interest rate
• Payments every two weeks
• 13 full payments over 12-month period
• Purchase or refinance
• Owner occupied primary residence or second home

Second Home Loans

Everyone’s idea of the perfect vacation home is different. Whether it’s a cabin in the woods, a camp on the lake, a slope-side condo, or a beachfront cottage, we’re here to help. Our knowledgeable lenders will work with you every step of the way. In fact, we’re here for you over the entire life of your loan with local servicing!

• Down Payment of 20%
• Various Terms Available
• Fixed or Adjustable Rates Available

Refinance Your Mortgage

Let us work with you to determine if now is the best time to refinance, and if so, what’s the best option for you. 

If you answer “Yes” to any of the questions below, we recommend giving us a call.

• Is your current rate 0.50% or higher than our current rates? 
• Do you need to lower your payment due to loss of income or retirement? 
• Are you looking to shorten your current term due to an increase in your income or other factor? 
• Are you looking to pay off your mortgage sooner so you can become debt-free? 
• Do you currently have an adjustable-rate mortgage and would like to convert to a fixed loan rate?