Our commitment to you . . .

• Ongoing communication from application to closing
• Personal lending consultant
• Continued product development
• Consistent and quick closings
• Dedication to quality service

Construction and Lot Loans - A loan secured by real estate for the purpose of funding construction on the property. The bank makes payments to the builder as the work progresses; the borrower makes interest payments on only disbursed funds during the construction period. A Lot Loan is for "land only" financing.

Fixed Rate Mortgages - The most popular mortgage program for homebuyers, a fixed rate offers a stable monthly principal and interest payment.

Adjustable Rate Mortgages - an increasingly popular alternative to the fixed rate mortgage; this program may give you a lower initial monthly payment.

Jumbo Mortgages - a variety of options for mortgages in excess of $417,000.00 and up to $5.5 million.

No Downpayment Required Mortgage

Portfolio Loan Mortgage

Interest Only Mortgage

First Time Homebuyer Mortgage

Reverse Mortgages - if you are 62 years of age or older, you can convert the equity in your home into tax-free monthly income.

Home Equity programs allow you to put your investment to work! These loans are the perfect tool for financing major purchases. Pay for home improvements, finance a second home, consolidate credit cards, pay taxes, or splurge on a family vacation. Best of all, you may be able to deduct the interest on your federal income tax return.

Home Equity Loan - revolving line provides you with the flexibility to meet credit needs as they arise; variable rate allows you to enjoy the benefits of falling rates; interest only payments due each month to provide lower monthly expense; principal reductions are optional; interest may be tax deductible .

Home Equity Line of Credit - revolving line provides you with the flexibility to meet credit needs as they arise; variable rate allows you to enjoy the benefits of falling rates; interest only payments due each month to provide lower monthly expense; principal reductions are optional; interest may be tax deductible.

Ask about our Commercial Loan Products!