Mortgage

Whether you’re buying a first home or vacation property, we have mortgage options to meet your needs. Contact a loan officer to discuss the available terms for each of the products below.

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Make your dream home a reality.

Make your dream home a reality.

Mortgages

Maximum Loan to Value (LTV)Minimum Loan AmountsTerms

1st Time Homebuyer
95% of Sales Price or Valuation – whichever is lower$15,000Rate adjusts annually after Fixed Rate for 7 years,
No PMI

Flexible Terms

Medical Professional Mortgage
95% of Sales Price or Valuation – whichever is lower$50,000 / max is $1.5 millionRate adjusts annually after Fixed Rate for 5 or 10 year terms, No PMI

Flexible Terms

Community Heroes Mortgage
95% of Sales Price or Valuation – whichever is lowerMinimum Loan Amounts: $50,000 / max is $1.5 millionRate adjusts annually after Fixed Rate for 5 or 10 years,  No PMI, No Origination Fee

Flexible Terms

Conventional Mortgage
up to 95% of Valuation or Sales Price – whichever is lower

LTV > 80% requires PMI
$50,000 with PMI

$25,000 w/o PMI

Fixed rate

Flexible Terms


Adjustable Rate Mortgage (ARMS)
90% of Valuation or Sales Price –  whichever is lower$15,000Rate adjusts annually after Fixed Rate for 5 or 10 years

Flexible Terms

Construction/Permanent Mortgage
80% of Valuation$15,0009 month Interest only payments during construction phase, then converts to ARM (see above)

Flexible Terms
Home Equity Line of CreditMax Total LTV of 80%

(less 1st Mortgage Balance)
$15,00015 years