Home Loan (Mortgage) Options

Fixed Rate Financing

Ideal for those looking for predictable monthly payments and a fixed interest rate.

Our Fixed Rate Financing can be used to finance primary residences, second homes or investment property, or to refinance your current mortgage.

  • Competitive Interest Rates.
  • A variety of terms are available.
  • Use to purchase a new home or refinance your current mortgage.
  • If you prefer easy budgeting, a Fixed Rate Mortgage Loan may be the right option for you.
  • Receive up to a $500 credit towards closing costs if you are a Premier Plus Checking customer.

Adjustable Rate (ARM) Financing

Ideal for those looking for lower initial mortgage payments.

Our Adjustable Rate Financing can be used to finance primary residences, second homes or investment property, or to refinance your current mortgage.

  • Competitive Interest Rates.
  • Initial lower mortgage interest rates may enable you to finance more for your home.
  • Interest rate and monthly payments may change at the specified adjustment period.
  • Use to purchase a new home or refinance your current mortgage.
  • Receive up to a $500 credit towards closing costs if you are a Premier Plus Checking customer.

Construction Loans

Ideal for financing your construction costs and mortgage.

Our Construction Loans are designed to help finance your construction costs. Upon completion of your construction process, we will rewrite your loan to a permanent mortgage.

  • Interest-only payments during construction period.
  • Borrow up to 80% of the home's appraised value.
  • Fixed Rate and Adjustable Rate mortgage options available after your home is complete.

Refinancing Your Mortgage

Ideal for those looking to save money by taking advantage of current interest rates. Benefits of our Home Mortgage Refinancing include:

  • You may be able to lower your monthly payment if you refinance at an interest rate lower than what you are paying on your existing mortgage.
  • You may be able to change the term of your mortgage to lower your payment, or possibly payoff your mortgage faster.
  • If you have an adjustable rate mortgage or balloon loan, you may want to consider refinancing into a fixed rate mortgage. Your interest rate and term will be fixed, making payments and budgeting more predictable.
  • You may want to consider using some of your home’s equity to pay off debt or for a home improvement project. Contact a Mortgage Consultant for ideas to help you reach your goals.

 When considering mortgage refinancing, please reflect on the following:

  • You may need to stay in your home for a number of years in order to realize the potential savings of mortgage refinancing.
  • Read your current mortgage documents to determine if you will have a pre-payment penalty to pay on your current loan.
  • Determine any fees or charges that you may be responsible for paying if you refinance your mortgage. These may include but are not limited to the following: application, recording, title, mortgage tax settlement, tax service, and processing fees.
  • Use our calculator for a quick idea of what you might save if you refinance. This calculator will help you determine if you will see a savings on the current balance of your existing mortgage if you refinance it to a different rate or term.

Jumbo Mortgage

Ideal for financing larger projects, our Jumbo Mortgages feature amounts above the industry-standard definition of conventional conforming loan limits. Jumbo mortgages start at $417,000 and go to $650,000. Super jumbo mortgages are from $650,001 to $1,000,000. Both are typically associated with luxury homes (except on the East and West Coasts where property prices are significantly higher than in the Midwest) and possess higher than average interest rates.

  • Receive up to a $500 credit towards closing costs if you are a Premier Plus Checking customer.