Home Loans
Apply Today

Real Estate Loans
“In House Loans” are available for the purchase or refinancing of your residence or second home. We can also provide financing for the purchase of land as well as manufactured housing. These loans have a fixed interest rate for up to 5 years and a monthly payment based upon a repayment of up to 25 years.

Conventional Home Loans
If you are interested in a conventional home loan, then the options are endless. We can provide loan programs ranging from a fixed rate to interest-first or Adjustable Rate Mortgage (ARM) loans. Repayment terms from 10 to 30 years are available. We can provide financing for your primary residence, second home, or your investment properties. We also have financing available for manufactured homes.

FHA/Rural Housing Loans
If you need more flexibility in financing your home purchase, then either an FHA or Rural Housing Loan may be the answer. We offer both types through our Home Loan Division.

Construction Loans
Construction loans for new homes and home improvements are available. The typical construction loan is made for terms from 6 to 12 months. We also offer the Cost Cutter Construction loan for those who feel they will pursue a conventional home loan for their permanent financing. This loan offers savings on closing costs and the transition from construction line to permanent financing is smoother without duplication of certain charges such as appraisal and attorney fees.

Home Equity Line of Credit (HELOC)
A home equity line is available for clients who want to borrow money against their home for various reasons like paying for a new car or paying for your child’s college education.

All loans subject to credit approval.