A fixed-rate mortgage is a popular option for homebuyers who want a predictable monthly payment. With a fixed-rate mortgage your interest rate and payment remain the same throughout the duration of the loan. Conventional and jumbo (over $726,200) fixed-rate mortgages are available.

An Adjustable-rate mortgage (ARM) is a popular option for homebuyers who plan to sell or refinance their home in a few years, or to take advantage of lower rates compared to fixed rates. With an adjustable-rate mortgage, after an initial fixed-rate period, the interest can adjust on a periodic basis. Conventional and jumbo (over $726,200) adjustable-rate mortgages are available.

Not quite ready to build, but want to secure that lot? We understand. We offer lot loans that allow you to buy your lot without signing on for a large construction loan. Then we can assist you in the building process and a long- term mortgage when you’re ready.

Planning to build your dream home? A construction mortgage is designed for those building a new home from scratch. The construction can be done on a lot you already own or financing to buy your lot and build your home all in one easy, simple step. We can provide funds to acquire the lot, then work with your builder to advance funds to complete your new home.

Want to only close one time for your construction loan and permanent mortgage? We can do that as well! We can provide funds to acquire the lot, then work with your builder to advance funds to complete your new home. Once construction is complete, your loan will convert to a traditional permanent mortgage after 12 months. One settlement means less expense and no risk in rates changing during construction.