Mortgage Loans

Looking to Buy a 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. Your home is one of the most important investments you will make. We do everything we can to provide you with the financing you need while making the process easy for you. Our knowledgeable lenders will work with you every step of the way.

• 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
• Fixed interest rate
• Converts to a traditional mortgage at the end of construction
• 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 must be 25 years or newer
• Must be permanently affixed on owned land

Biweekly

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

Refinance Your Mortgage