Loan Options

Loan Options

Fixed Rate Mortgage Loans
The biggest benefit of a fixed rate mortgage is the fact that the interest rate does not change over time. This allows you to budget your finances and make a consistent, fixed payment over the duration of your loan.  Learn more about Fixed Rate Mortgages!

Adjustable Rate Mortgage Loans
Because the borrower assumes more risk with this type of mortgage, adjustable rate mortgages offer prospective homeowners some notable benefits. Adjustable rate mortgages typically offer lower initial interest rates and monthly payments than fixed rate mortgages in exchange for possible future rate adjustments. FHA Mortgage. Learn more about Adjustable Rate Mortgages!

FHA Loans
FHA insured loans often give potential homeowners the option of making a lower down payment than they would need to make if using a traditional, non-FHA insured mortgage.

VA Loan Loans
VA loans are designed to provide long-term home financing to qualified veterans and, in some cases, their surviving unmarried spouses.  In many instances, their interest rates can be better than other conventional loans.USDA Home Loan. Learn more about VA Mortgages!

Construction and Renovation Loans
As a local bank, growth in our communities is important to us. Building a new home or renovating an existing residence can be a complex undertaking. Let our experienced and local loan officers help ease the financing process. Learn more about Construction and Renovation Mortgages!

Physician’s Program Loans
It takes time, commitment and hard work to become a doctor and now it's time to reap the benefits. If you are a new licensed resident or an established physician, let us help. Learn more about our Phyisican's Program Loans!