Financing a home is often one of the most significant decisions youíll make in your lifetime. You deserve a trusted advisor by your side to guide you through the process, answer every question, and ensure the financing of your home is smooth and easy.
Get the best when you choose to finance your home with us:
Some of our most-popular loan programs include:
- Competitive rates and fees;
- Flexible, customizable mortgage solutions;
- Outstanding, experienced lenders to guide you through the home-buying process; and
- Clear and responsive answers throughout the process.
This loan is ideal if you intend to stay in your home for an extended period of time or want the consistence of fixed payments every month. A fixed interest rate remains constant through the life of the loan.
Adjustable-Rate Mortages (ARM)
This loan is ideal for those who plan to stay in their home for a relatively short period of time and want their payments to be low for the initial portion of the term. Youíll usually get an initial interest rate thatís extremely competitive and that will adjust through the life of the loan.
Unsure which loan is right for you? Talk with one of our experienced residential lenders.
First-time homeowner & low down payment programs
Federal Housing Administration (FHA) Loans
As part of the U.S. Department of Housing and Urban Development (HUD), the FHA insures loans to make home ownership possible for many who would otherwise find it a challenge to qualify for a traditional mortgage that requires a significant down payment. These loans are typically geared toward first-time home buyers or those with limited cash for the down payment. Is an FHA loan right for you? Talk with one of our experienced Residential Lenders to find out!
Veteranís Administration (VA) Loans
If you are a Veteran or service personnel you may qualify for this special loan designed to assist you with favorable terms, usually without a down payment, limited closing costs and no prepayment penalties. Is a VA loan right for you? Talk with one of our experienced residential lenders to find out!
Other Special Loan Programs
We also offer many other home loan options for owner/builder financing, jumbo loans, balloon loans, manufactured home and land packages. Plus, our knowledgeable Residential Lenders can recommend special financing based on your specific situation (some programs vary by state).
Refinancing Your Home
There are many reasons it makes good sense to refinance your home, including:
If you answered yes to any of these questions, consider refinancing your home. This simple process, pays off your original home loan and replaces it with a new loan, with new terms.
To discuss if a refinance is right for you, talk with one of our experienced residential lenders today.
- Are you looking to:
- Lower your interest rate;
- Shorten the term on your loan; or
- Lower your monthly payment?
- Are you several years into an ARM?
- Has your family status changed? or
- Do you want to access cash for home improvements or major expenses, like college tuition or bill consolidation?