Mortgage & Lot Loans

Maybe you're narrowing in on the perfect home, or maybe you're just starting the search process. Either way, it's never too early to apply for a mortgage. We'll issue a pre-qualification letter to assure real estate agents and sellers that you are a serious, well-qualified buyer. Subject to credit approval.

There's no better time to refinance your home and reduce your monthly mortgage payment than now. Our lending team is on hand to assess your current rate and help provide a new, customized option that takes advantage of lower rates and potential savings. 

Are you preparing to build a home? Purchasing your lot prior to breaking ground puts you at a huge advantage. Our experienced lenders can walk you through the entire process, offering competitive rates and terms, in-depth knowledge of the market and builders, and personal assistance from the beginning to the end of your construction project.

Buying a home is an important financial decision that should be considered carefully. The Consumer Financial Protection Bureau (CFPB) is a federal agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. The CFPB has created a Mortgage Toolkit to help you become familiar with the various stages of the home-buying process, including deciding whether you are ready to buy a home, and providing factors to consider in determining how much you can afford to spend.

This toolkit will help you become familiar with how interest rates, points, balloon payments, and prepayment penalties can affect your monthly mortgage payments. You’ll also learn the most important steps for getting the best mortgage, understand your closing costs and what it takes to buy a home, and receive the tools it takes to be a successful homeowner.

HOME LOAN TOOLKIT

Learn all there is to know about Adjustable Rate Mortgages (ARMs):

• How they work
• Issues a borrower might face
• Ways to reduce the risks associated with ARMs
• Pointers about advertising and other sources of information, such as lenders and other trusted advisers
• Glossary of important ARM terms
• Worksheet that can help you ask the right questions and figure out whether an ARM is right for you

CONSUMER HANDBOOK ON ADJUSTABLE RATE MORTGAGES