Mortgage Loans

Mortgages

We offer fixed rate mortgages for a maximum term of 20 years.

We offer two Adjustable Rate Mortgage products:

* 3/1 ARM: Fixed for a period of 36 months, becoming adjustable thereafter.
* 5/1 ARM: Fixed for a period of 60 months, becoming adjustable thereafter.

Both programs offer 15 year, 20 year or 30 year terms.

We also offer an Investment Property Mortgage. This is a fixed rate loan for a maximum term of 15 years and we will loan up to 70% of the appraised value.

We also offer in house 20 year fixed and 30 year FHLB loans.

Home Equity Lines of Credit

We will loan funds on the equity of your home for whatever purpose you choose. We will loan up to 80% of the appraised value of your home.

This may be a 1st or 2nd Mortgage. This is a revolving line of credit and you may draw against it for up to 10 years from the date opened.

It can be accessed via the internet or you may choose to receive funds in check form. The maximum loan term is 25 years.  HELOC loans have a $10,000.00 minimum.