Mortgage Programs

Fixed Rate Mortgages- Designed to save conventional borrowers money; our Fixed Rate Mortgages allow you to finance up to 97% of the home’s appraised value or purchase price with terms up to 30 years. All with an affordable fixed rate.

VA Mortgages- One of the best deals for those who qualify; our VA Mortgages feature competitive rates and no down payments.

Affordable First- First Time Home Buyer’s Program to help you achieve the American Dream! Our Affordable First Mortgage provides up to 100% financing with waived fees and reduced closing costs. All Affordable First Mortgages feature a money-saving 1/2% Origination fee.

Balloon Mortgages- We offer Balloon Mortgages to supply a flexible financing option. Our Balloon Mortgages feature a
60-month term with up to a 30-year amortization.

Construction Loans- To help build the home of your dreams- Construction Loans. Finance up to 90% loan-to-value at an adjustable 9-month term rate.

Interest Only- 3/1, 5/1, & 7/1 Terms- Interest Only payments with terms up to 30 years.

Adjustable Rate Mortgages- The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually. Choose from one, three, or five-year programs.

Purchase Money 2nd Mortgages- We offer Purchase Money 2nd Mortgages that allow you to avoid Private Mortgage Insurance costs. Our Second Mortgages feature terms up to 15 years.

12-Year/2-Step Mortgage- Our 12-Year/2-Step Mortgage gives you flexible financing options. There is a one-time rate adjustment over the life of the loan after the initial six years of the loan.

Land Loans- 5-year fixed, 12-Year/2-Step or Balloon Mortgage options for land purchases. All of our Land Loans feature low down payments.