Fixed-Rate Mortgages
For prospective homebuyers who are more comfortable with the same monthly payment over the life of their loan, locking in a fixed-rate mortgage could be the right answer. Choose the term that fits best with your financial goals.
- Consistent mortgage payments
- Flexible terms
- Zero point options available
Adjustable-Rate Mortgages
An adjustable-rate mortgage (ARM) usually starts with a lower rate than a fixed-rate loan, which means a lower initial principal and interest payment for greater purchasing power. The introductory fixed-rate period is then followed by rate adjustments, based on a predetermined margin and a defined index, that are capped at each adjustment and for the life of the loan.
- Start with lower payments that will adjust to market conditions at a future specified date
- Periodic and lifetime caps are provided to protect you from market fluctuations
- Zero point options available
Jumbo Mortgage Loans
Thinking big? When your financing needs require a larger loan balance we offer both fixed and adjustable-rate jumbo mortgage programs for loans that exceed the borrowing limits of a regular mortgage.
- Available for loans above Fannie Mae or Freddie Mac limits
- Various terms available
- Can be used for primary residence, second home, or vacation home
Construction Loans
Building a new home or renovating an existing one? We’ll help you from start to finish. Our construction loan offers special benefits, flexible terms, and competitive interest rates that help make your payments affordable—both while you’re building or renovating and after you move in. Upon completion of construction or renovation, the loan will convert to a fully amortizing mortgage—without the need for a second closing.
- One closing
- Fixed or adjustable rates
- Zero point options available