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Home Purchase
Fixed-Rate Mortgage Loans:
L ock in now, while rates are comfortably low! Your interest rate is fixed and your monthly payment is fixed for the term of the loan. No one can beat our fixed rates!
Adjustable-Rate Mortgage Loans:
The big advantage here is an initial interest rate lower than what you can get with a fixed rate. If you'll be earning more in the future than you are now, this is a smart choice.
Home Equity
We offer fixed-rate Home Equity Loans and variable-rate Home Equity Lines of Credit built to suit your financial needs. With these products, you can borrow up to 100 percent of the value of your property, using this equity for:
• Home improvements;
• Debt consolidation;
• Medical bills;
• College tuition;
• Extra cash; or
• Whatever your immediate cash needs are!
We give you the power to tap into the equity of your home – unlocking its cash potential. Securing your Line of Credit today offers you financial security for the future, should you ever need quick access to cash.
Home Improvement
Similar to a home equity loan, a home improvement loan allows home owners to borrow against the equity in their property.
A home improvement loan lets you use your equity, the value of your home minus what you owe as a security that you'll repay the loan. Depending on the lender, you could borrow between 80% to 100% of your homes equity, and sometimes more. A homeowner would normally take out a home improvement loan to make major renovations on a home, add a pool, finish a basement, or even add an extra bedroom. Home improvement loans normally have a fixed interest rate and a payment for usually 10-15 years.
Pre-Qualification
Pre-Qualification Process
The first step in deciding on a home is to determine how much you can afford to buy. Our prequalification program not only estimates that amount but also tailors a mortgage to fit your needs. Picking the right program can maximize your purchasing power and save you thousands of dollars. The Pre-Qualification page contains our form and instructions.
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