Mortgage Loans

When you're buying a home, you're looking for solid construction. When you're choosing a loan, you might also want something built for the long haul. With a fixed-rate mortgage, your payments will never rise, making it much easier to plan your financial future.

• Choose loans of 10, 15, 20 and 30 years
• Affordable rates and low closing costs
• Shorter term loans come with higher monthly payments, but allow you to reduce debt and create equity more quickly
• Mortgage interest payments are often tax-deductible. Consult your tax advisor.
• Jumbo Loans available for mortgages over the conforming limit

It's no secret that housing can be expensive. But it's possible to cuts costs and still get that place you really love. With an ARM, you enjoy a lower initial interest rate, which holds down monthly payments and buys you time to rebuild your savings.

• Pay a lower interest rate for a certain number of years
• When the introductory period ends, the rate may be adjusted periodically
• Loan caps limit the size of rate increases in any one year or over the life of a loan
• Good choice if you plan to move again in a few years or you expect your household income to increase
• Refinancing options available

You love your home. But your loan could be better. Talk to one of our lending professionals about how you might shrink your monthly payments, eliminate your debt quicker, or leverage extra cash for home improvement projects and other needs.

• Adjustable-rate and fixed-rate refinancing loans available.
• If interest rates have dropped, you may be able to save hundreds or thousands of dollars by switching to a mortgage with a lower rate.
• You might want to reduce your loan repayment period - perhaps from 30 to 15 years - in order to reduce your total interest charges and eliminate your debt more quickly.
• If you have accumulated equity in your house, you may qualify for a cash-out refinance to consolidate debt or do home improvements.