Loan Types & Programs

You do the buying or building. We'll do the financing!

Our Mortgage Officers are experienced, local experts who will help you to get the home financing that’s right for you

Primary Residence

A primary residence is a 1-4 family residential property that is accessible and occupied year round by the owner/borrower and is the legal residence of the owner/borrower and which at the time of making the loan is used or intended to be used as a primary residence by the borrower within 60 days of closing.

VA Loans

A no down payment/equity loan for eligible Veterans purchasing or refinancing a Primary Residence.

Jumbos

Fixed rates for 10 or 30 year terms and Adjustable Rates for 30 year terms for any loan amount above $417,000. Minimum down payment of 5-10% depending on loan size.

Second/Seasonal Properties

Seasonal properties are single family residential properties occupied by the owner, accessible and usable only during a portion of the year, serviced by normal utilities and waste disposal systems and are not the legal residence of the owner/borrower. Rental income cannot be used for qualifying.

Investment or Non-Owner Occupied

Fixed and adjustable rate options with 10-30 year terms for 1-4 unit rental properties. Minimum 20-30% down payment.

Land

Adjustable rate with 20 year amortization and 10 year balloon. Minimum 20-35% down payment depending on use of land.

Construction

Fixed rate with 6-12 month term. Permanent financing available when construction is complete. Minimum 10% down payment.

Mobile Home

A mobile home on owned land is eligible for our residential programs. The mobile home must be dated 1976 or newer.