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Products & Services - Mortgage Loans & Programs

Mortgage Loans & Programs

Knowledge is essential to making your mortgage process as easy and smooth as possible.

With that in mind, we offer this overview of fundamental mortgage concepts. As always, if you’re unsure about something, don’t hesitate to give us a call.

Get a good grasp of whether you’ll be able to secure a loan for the home you want.
You can start a pre-qualification online today. Apply

When the process is complete, you’ll receive a letter that you can share with real estate brokers or sellers – providing added assurances about any offer you place on a home.

Before buying is the time to check your credit for errors and make sure you’re in good standing. 

You have several options for financing a home, investment or vacation property.
Which option you choose depends on the use, the loan amount, how long you plan to keep the property and other factors.
  • Conventional Fixed Rate Loan - For those who want a fixed principal and interest payment. Available in 30-, 20-, 15- and 10-year terms.
  • Conventional ARM (Adjustable Rate Mortgage) - Offers lower initial payments so you can purchase more home or for those anticipating a move by the end of the selected term. Available in 10-, 7- and 5-year terms.
  • Jumbo Fixed Loan - A fixed principal and interest for loans greater than $424,100. Available in 30-, 15- and 10-year terms.
  • Jumbo ARM (Adjustable Rate Mortgage) - For loans greater than $424,100. Offers lower initial payments so you can purchase more home or for those anticipating to move by the end of the selected term. Available in 10-, 7- and 5-year terms.
Before buying is the time to check your credit for errors and make sure you’re in good standing.
Here’s a quick look at what you can expect when you apply for a loan.
  1. Apply online.
  2. A banker will contact you once we receive the application and had a chance to review.
  3. Required disclosures will be sent to you within three days after we receive the application.
  4. The better your credit score, the more favorable your rates (starting at above 740).
  5. Your rate will be locked in for 30 to 45 days, depending on your situation.
  6. You will receive a copy of the appraisal once it has been delivered to us. Your mortgage banker will advise you of any additional items required to complete the underwriting process.
  7. Your mortgage banker will stay in touch with you during all the important milestones along the way to closing.
Pay off an existing mortgage with a new loan that lowers your payments or reduces the term.
Which option you choose depends on the use of your property, the loan amount, how long you plan to keep the property and other factors.
  • Conventional Fixed Rate Loan - For those who want a fixed principal and interest payment. Available in 30-, 20-, 15- and 10-year terms.
  • Conventional ARM (Adjustable Rate Mortgage)- Offers lower initial payments so you can purchase more home or for those anticipating a move by the end of the selected term. Available in 10-, 7- and 5-year terms.
  • Jumbo Fixed Loan - A fixed principal and interest for loans greater than $417,000. Available in 30-, 15- and 10-year terms.
  • Jumbo ARM (Adjustable Rate Mortgage) - For loans greater than $417,000. Offers lower initial payments so you can purchase more home or for those anticipating to move by the end of the selected term. Available in 10-, 7- and 5-year terms.