Whether you’re buying, building, remodeling, or refinancing a home, it’s a big deal. And that’s how we treat it. It’s also why we offer a range of mortgage loans to give you flexibility in choosing the one that fits your situation right now.
Ready to estimate your monthly mortgage payment for any type or size of loan you want? Use our handy calculator. It allows you to change interest rates, choose fixed-rate or adjustable-rate loans, the length of the loan, and even add an amortization table.
For a fixed rate mortgage, the interest rate remains the same throughout the loan term. That means the principal and interest payment will not change.
An adjustable rate mortgage gives you the opportunity to lock in a lower interest rate for a three-, five-, seven-, ten-, or fifteen-year period. Your monthly payment remains the same for the term selected.
You’re working hard to build a good life. We’re here to help. Our Dream Builder program is designed to help homebuyers afford more home. Grants programs are available and a second mortgage up to 7% of value can be used for the down payment.2
For homebuyers with limited credit history or limited income, as well as those who want to buy a home in a low- to moderate-income area, our Community Builder program helps save money. With no private mortgage insurance requirements, reduced closing costs and options for grant funds and repair escrows, this loan helps make dreams come true.
A Community Housing Affordable Mortgage Program (CHAMP) loan provides affordable options for homebuyers with limited credit history, limited income, or looking to purchase a home in a low-to-moderate income (LMI) area, including first-time homebuyers. Down payment options are less than 20% and private mortgage insurance may not be required.3
To support your dream of building a home, we can offer flexible disbursements over time to pay building costs. We also can provide one-time closing to save you time and money on closing costs and other fees.
1 Funds applied to discount cannot be used for closing costs or funds needed to close. For additional checking account information, please view our checking account options.
2 Value is the lesser of the purchase price or appraised value of property.
3 Waived for credit scores greater than 679.
4 Required salary amounts may vary by profession.
See a mortgage loan originator for details. All loans are subject to credit review and approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
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