Home Loans

House porch and front door

First Mortgages

Whether it’s your first time or your tenth time buying a home, our experienced staff guides you every step of the way, so you get the best rate and lowest fees. We offer a variety of options. And since we’re local, we can be nimble on loan approvals. Get preapproved now to be ready when you find your perfect home.

Refinance with Express Mortgage

Borrow up to $250,000 for up to 20 years at a fixed rate for a flat fee as low as $1,699 — half of what most banks charge. There are NO other fees. That means NO appraisal, underwriting, processing origination or credit report fees!

Fixed Annual Percentage Rate based on 10-year US Treasury Bill plus a margin at the time of funding.

Home Equity Line of Credit

Use your equity for home improvements, bill consolidation, or as an emergency source of cash, ready if you need it. Pay interest only on the portion you actually use. The money you repay is there if you need it again.

  • Competitive rates and low fees
  • Convenient advances by Online Banking, check, phone or in person
  • Interest may be tax deductible — ask your tax advisor

Fixed-rate Second Mortgages

Don’t need the flexibility of a line of credit or prefer a fixed rate on your home equity loan? A fixed-rate second mortgage is a great option to consider. We offer terms up to fifteen years at low, fixed-rates. With low closing costs and fast turnaround time, we make the process easy!

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NMLS #440571

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