Home Mortgage Loans

For generations, we’ve proudly helped people in our communities to achieve the dream of home ownership. And that continues to this day.

Key Features

  • Competitive Rates
  • Nationwide Lending
  • Variety of Financing Options
  • Friendly Service
Apply Now
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Nationwide Lending
  • Repayment terms suited uniquely to each customer's individual situation
  • Several lending programs to fit unique needs, including:
    • Fixed Rate Mortgages
    • Adjustable Rate Mortgages
    • Conventional Financing
    • FHA
    • IHDA Access
    • USDA Rural Housing program
    • VA Loan program
    • Home Possible & HomeReady Loan programs
    • First-Time Home Buyer programs
    • Jumbo Loan financing
    • Construction Loans
  • Attentive lending professionals that understand the local real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Quick and easy online application process
  • Thorough mortgage calculators that help to determine affordability, your true loan cost, and likelihood of approval
  • Local decision-making and processing
  • Personalized service that aligns our offerings with your needs

Fixed-Rate Mortgages

Enjoy an affordable payment with a fixed-rate mortgage for the life of your loan. Your interest-rate will never change. If you're looking for stability...your payment will always be the same.

Adjustable-Rate Mortgages

This has an interest rate that is fixed for a period of time and can increase or decrease annually. This type of mortgage may be a good choice if you're planning to move or refinance during your loan term.

First-Time Home Buyer

Your first home purchase is an exciting event. We can make it even more exciting by offering very low down payment options and competitive fixed-rates allowing you and your family to take ownership of your new home.

Conventional Financing

  • Down payments as low as 3%
  • Acceptable gift funds can be used for down payment
  • Fixed and adjustable rate options
  • No monthly mortgage insurance, if LTV is 80% or less
  • Financing available on manufactured homes

IHDA Access

  • Down payment assistance options
  • Contribute $1,000 or 1% of purchase price, whichever is greater
  • Fixed rate options
  • No monthly mortgage insurance options available
  • Available to first-time and repeat homebuyers

VA

  • No down payment
  • Seller can contribute up to 4% of sales price toward closing costs & pre-paids
  • Fixed and adjustable rate options
  • No monthly mortgage insurance

USDA Rural Housing

  • No down payment with closing cost financing available
  • Down payment assistance options
  • Fixed rate options

Home Possible & HomeReady

  • Low down payment
  • Down payment assistance options available to qualified borrowers
  • Fixed rate options

Jumbo Financing

  • Down payment as low as 10%
  • Fixed and adjustable rate options
  • Loan amounts $510,400 to $3 million

FHA

  • Down payment as low as 3.5% and may be gifted
  • Seller can contribute up to 6% of sales price toward closing costs & pre-paids
  • Fixed and adjustable rate options
Apply Now

Here, the Golden Rule still applies.