Mortgage Loans

For existing dwellings

Includes a construction/permanent financing package

Defined as a single family home with a loan amount greater than $548,250.00. Financing is available at special rates and terms. Please call 1-800-344-2274 for details.

Financing for 1-4 family rental properties is available at different terms and rates from our owner-occupied rates shown in our Mortgage Rate Chart. Please call 1-800-344-2274 for details.

Financing for second homes/vacation homes is available at different terms and rates from the rates shown in our Mortgage Rate Chart. Please call 1-800-344-2274 for details.

Government Mortgage Lending Programs

If you have questions or are interested in submitting an Application, call 1-800-344-2274 and speak with one of our mortgage lending professionals, licensed through the Nationwide Mortgage Licensing System. See additional details.

• Lori Solt, NMLS 551941
• Lisa Wentz, NMLS 551925
• Tiffany McDaniel, NMLS 551967
  
  

Rural Housing USDA

Affordable home ownership opportunities are available to families and individuals looking to purchase an eligible home in a rural area with zero down payment. Income limits apply.

• 100% LTV of appraised value
  
• No down payment
  
• 30 Year fixed-rate term
  
• Purchase only
  
• One unit, primary residence
  
• Maximum county income limits apply
  
• Up to 6% seller contribution allowed
  
• No cash reserves required
  
• Home must be located in HUD rural area
  

FHA Mortgage Lending

• Backed by the government, this loan allows the borrower to pay for mortgage insurance. It enables a person to purchase a home with a lower down payment and lower income requirements than traditional loans.
• 15 or 30 Year fixed-rate terms
  
• 96.50% LTV - purchase transaction
  
• 100% Gift allowed for down payment from a family member
  
• Refinance up to 97.75% of a home's value
  
• 85% LTV for cash-out
  
• No reserves for 1-4 unit properties
  
• Single family, 2-4 units, PUD condos, and manufactured homes
  
• Owner-occupied primary residence
  

VA Mortgage Lending

Veterans Affairs Mortgages are available to active military members and veterans. There are no mortgage insurance requirements and sometimes borrowers can qualify for zero down payment.

• 15, 20, and 30 Year fixed-rate terms
  
• LTV up to 100%
  
• No down payment requirement as long as the sales price does not exceed the appraised value
  
• No private mortgage insurance requirement
  
• Purchase, rate and term, and cash-out refinances are available
  
• Closing costs may be paid by the seller
  
• Borrower must have a valid Certificate of Eligibility