Mortgages

Mortgage FAQ's

What terms do you offer on your mortgages?

Fixed Rate:  10 years to 30 years

Adjustable Rate:  1 year, 3 years, 5 years, 7 years, 10 year (30 year amortization)

Construction:  6 months

What are the rates?

Due to the daily changing of rates, please call your local branch for current rates

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Is a down payment required?

Not always, we do have programs for no down payment or minimal down payment.  If you have less than 20% down, Private Mortgage Insurance (PMI) is required.

What are the closing costs?

We offer low closing costs on all our loans.  Call your local branch for more details.

Do you require my taxes and insurance to be escrowed?

If you have less than 20% down and a term longer than 15 years, you must escrow.  If you have at least 20% down, then you may not be required to escrow.  However, there may be a rate adjustment if you chose not to escrow.  Please contact your local branch for more details.

Can I get "pre-qualified" for free?

Absolutely!  We offer FREE pre-qualifications, please call your local branch for complete details.

How do I get started?

It's Simple!  Call your local branch to set an appointment to fill out an application.  Click here to find out what to bring with you.

  *Equal Opportunity Lender