Home Mortgage Loans
You’re free to pursue your dreams for homeownership-whether large or small; newly built or aged to perfection..
Conventional Fixed-Rate Loans
Through this traditional method of financing a home, your interest rate remains the same for the term of the mortgage, which keeps your monthly principal and interest payment steady.
More about Home Equity Loans
Attractive fixed interest rate
Fixed monthly payment
No prepayment penalty
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
FHA Fixed-Rate Loan
If you don’t have extensive job or credit history, or need a loan that offers favorable conditions for a lower down payment, you may qualify for an FHA loan.
More about FHA Fixed-Rate Loans
Federally insured, which may accommodate a lower down payment and less credit history
Fixed/level payment of principal and interest for the life of the loan
May require monthly mortgage insurance for a minimum of five years
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
VA Fixed-Rate Loan
U.S. Military personnel may qualify for a Veteran Affairs loan, which is a federally insured option that makes home buying more affordable with little to no down payment, no mortgage insurance to pay, as well as potentially lower interest rates and flexibility in obtaining money for closing costs.
More about VA Fixed-Rate Loans
Up to 100% financing for eligible military personnel
Monthly mortgage insurance not required
Fixed/level payment of principal and interest for the life of the loan
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
Adjustable Rate Mortgage (ARM)
An adjustable rate mortgage generally features an initial interest rate that may be lower than that of a fixed-rate mortgage, which can result in lower initial payments to help offset the costs of a down payment, closing costs and other expenses. Then, the rate adjusts after a set period up to a certain limit.
More about Adjustable Rate Mortgages
Payment of principal and interest adjusts based on a preselected index plus a margin with rate-cap adjustments
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
Jumbo Loans
To finance a home for more than the amount of conventional conforming limits, our Jumbo Loans can offer a flexible term and options to make the purchase possible.
More about Jumbo Loans
For amounts exceeding conventional loan maximums
Fixed or adjustable rate
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
Construction Loans
Looking to build your dream home. A construction loan is a short-term product (usually 12 months or less) that provides the funds to build a residential property.
More about Construction Financing
Covers the cost of the land, builder and contractor labor, building materials, and permits.
Funds are drawn at various intervals in conjunction with inspections confirming completion of each phase of the project.
Interest only payments are required during construction until property is fully completed or 100% constructed.
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
Renovation or Repair Loans
With a Renovation loan, you will have funds for a wide range of renovation projects, from repairs and energy updates to landscaping and luxury upgrades. A Renovation loan can make the difference between a house and a dream home, or help restore an older home to its former glory.
More about Renovation or Repaid Loans
Rehab a new or existing home by including financing in their conventional purchase or refinanced home loan. LTV is calculated taking the proposed project into account, giving them more purchasing power and more options to make their home their own.
Appraised value based on “as completed” value.
Financing for purchase or refinance transactions.
For simple projects and repairs or major renovations.
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
Non-QM Loan Programs
A non-qualified mortgage, in short, a non-QM loan, is a loan product that doesn’t conform with the lending guidelines set by CFPB. They are exclusively designed for home buyers who can’t conform to the stringent requirements for a qualified mortgage.
More about Non-QM Loans
Real estate investors, foreign nationals, self-employed individuals, and credit-challenged people may find it difficult to qualify for a conventional loan. This is where a non-QM loan can be helpful. It is a financing solution designed to help a particular group of borrowers to achieve their dream of homeownership.
A non-QM loan has flexible terms, lenient credit requirements, and requires less documentation, making it a great mortgage option for:
Borrowers with less-than-stellar credit
Self-employed borrowers
Real estate investors
Foreign nationals
Small business owners
People with a high DTI ratio
Gig workers
Independent contractors
Retirees
Start An Application
You can begin the application process online by clicking here.
If you prefer to apply in-person, click here to find a branch location that is convenient for you.
All loans are subject to credit approval.
