Home Lending
Mortgage Loans
A Variety of Home Financing Solutions
Home is where the heart is. Whether that home is a cabin on a lake or your family’s first home in that perfect neighborhood, we’re here to help!
You don’t have to feel intimidated by the complex process of purchasing, refinancing or building a home. Our experienced team understands the local market and will prescribe the loan solution that fits your specific needs. Plus, with all of our decision makers being right here in town, you don’t have to wait weeks for a decision on your loan.
Our loan officers are ready to meet with you. Contact one of them to get started!
Meet Our Loan Officers
Home Lending Options
Use this comparison table to see what types of loans we offer and who they are suited for.
Home Lending OptionsLoan Type | Key benefits | Recommended for |
|---|
Fixed Rate Loan | - Predictable fixed payments
- Protection against rising interest rates
- Competitive interest rates
| - Homebuyers who prefer regular, fixed payments
- Homebuyers with established credit history
- Homebuyers who plan to stay in their home for years
|
FHA Loan | - Low down payment
- Rate security
- Flexible income, debt & credit requirements
- Use gift money to help with your down payment
| - First-time & seasoned homeowners
- Homebuyers with limited savings
- Low to moderate income homebuyers
- Homebuyers who don’t have an established credit history
|
| Federal VA Loan | - 100% financing available
- No down payment required
- Flexible income, debt and credit requirements
| - Veterans & their families
- Almost all active duty and honorably discharged service members
|
USDA Loan | - 100% financing available
- No down payment required
- Flexible income, debt and credit requirements
| - Homebuyers purchasing a home located in a designated USDA rural area
- Low to moderate income homebuyers
|
WHEDA Loan | - Low cost, fixed interest rate
- Higher income and loan limits
- Lowest monthly payments, down payment and closing cost assistance
| - First time home buyers
- Buyers that haven’t owned a home in the past 3 years
- Buyers with limited down payment or set monthly income
|
Second Mortgage Loan | - Lets you borrow against the equity in your home
- Assets in the form of a lump sum or line of credit
- Interest can be tax deductible, check with your tax advisor
| - Homebuyers who want to use your assets towards other projects & goals
- Homeowners looking to consolidate debt at a lower rate than a credit card
|
Vacant Land Loan | - Lending available for a variety of property types
- Interest rate & down payment depend on the property type
| - Homebuyers who desire a lender that is familiar with the area
- Those looking to build a home
- Buyers looking for a recreational property
|
Construction Loan | - Maximum 80% loan to value
- Interest only payments during construction
- Permanent financing options available
- Focus on creating the home of your dreams
- Hassle-free draw process
| - Those who want to build a new home to their specifications
|
Home Equity Line of Credit | - Maximum 85% loan to value
- 3-Year draw period that automatically rolls over to a 10-year repayment period
| - Homeowners looking for funds for home improvements, college tuition, or any other expense
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