Like an old friend, we try to make you feel right at home.
Choice of loans
We offer a wide range of fixed- and adjustable-rate mortgages.
Competitive rates
Lower interest charges leave more money for furniture, renovations, and other personal touches.
Quick closings
Our goal is to get you in the front door within 30 days of filing an application.
Our mortgage lenders average 20 years of experience - meaning that they can guide you smoothly through the process and clearly explain all our mortgage options.
Some home-buyers want something spacious and modern. Others prefer a place that's cozy and classic. Whatever you're looking for, we've got the financing and friendly service to get you to moving day as soon as possible.
- Competitive rates
- Fixed-rate loans of 10, 15, 20, and 30 years2
- Adjustable rate mortgages that feature lower initial rates for 1, 3,5, 7, or 10 years1
- Get pre-qualified within one business day
- Most closings within 30 days of filing mortgage application
- Down payments as low as 3%
- Biweekly payment options3
- Online loan management
- Down payment plus program provides down payment assistance for eligible homebuyers
Run the Numbers
You can earn 5.00% Annual Percentage Yield (APY) on balances of up to $5,000. For balances greater than $5,000 earn 0.50% APY.1
General Disclosure: Annual Percentage Rate (APR). All rates, terms, and conditions may change without notice and published rates do not constitute a loan offer. Individual rates and terms may vary based on account relationship, loan amount, down payment, creditworthiness, loan-to-value, purpose of loan and property type. All loans are subject to approval and eligibility.
Estimated monthly payment based on a single family, owner occupied, 725+ credit score, assuming a purchase price of $206,250, with 20% down, loan amount of $165,000 for 30-year fixed at rate of 6.250% and 6.312% APR will have a monthly payment of $1,015.93. Actual rate and payment will vary based on your specific situation. Monthly payment, examples quoted do not include taxes or insurance; the actual payment obligation will be greater. Contact one of our friendly Mortgage Loan Officers for further details.
Adjustable-Rate Mortgages (ARM) are variable rate, and the interest rate/APR can change yearly after the initial fixed-rate period. For example, the interest rate on a 1/1 ARM is fixed for 1 year, 3 years for a 3/1 ARM, 5 years for a 5/1 ARM, 7 years for a 7/1 ARM and 10 years for a 10/1 ARM. Thereafter, the rate is subject to change yearly. The interest rate will be determined by adding the 1-Year Treasury Bill (index) to a margin of 2.75%. The adjustment is dependent on the ARM product chosen. After, the initial term, the interest rate can change annually and is subject to the following caps:
10/1 and 7/1 ARM: First-rate adjustment cap is +/- 3%; thereafter, annual rate cap of +/- 2%, and a lifetime rate adjustment cap +/- 5%.
5/1 ARM: First-rate adjustment cap is +/- 2%, thereafter, annual rate cat of +/- 2%, and a lifetime rate adjustment cap +/- 5%.
3/1 and 1/1 ARM: First -rate adjustment +/- 2%, thereafter annual rate cap of +/- 2%, and a lifetime rate adjustment cap of +/- 6%.
ARM payment example: The initial payment on a 10/1 ARM with a loan amount of $165,000 and a term of 30 years at 5.990% interest rate (6.686% APR), with 20% downpayment is $988.20 for years 1-10. Payment example assumes a single-family, owner-occupied residence, 20% down payment, a 725+ credit score. Monthly payment example quoted does not include taxes or insurance; the actual payment obligation will be greater. Actual rate and payment will vary based on your specific situation. Contact one of our friendly Mortgage Loan Officers for further details.
NMLS ID # 402968