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As a local company with no large processing centers or cumbersome procedures, we're free to be more attentive to you, your needs and your homeownership dreams. And because our mortgage experts are local, they're personally invested in your success, know the intricacies of the neighborhoods we serve, and play a more involved role in helping you make the best financial decision for your situation. And if challenges should arise, we're nimble enough to find answers fast.
At our Mortgage Company, you'll discover what local really can mean: personal service, faster decisions, competitive rates - and in the end, a more pleasant journey to a home of your own.
There are many loan programs available - too numerous to cover them all, we've highlighted the programs more commonly offered today. Characteristics of each loan program are unique, so consult your mortgage professional for more information and to become familiar with the details of the programs available to you.
- 15- and 30-Year Fixed-Rate Mortgages
- Fixed-Rate Balloons
- Fixed-Rate with Temporary Buydown
- Interest-Only Mortgages
- Adjustable-Rate Mortgages (ARMs)
To help determine the best loan program for you, consider the following:
- How important is payment certainty? If knowing that your payment will be the same every month is important, consider a fixed-rate mortgage.
- How important is rapid equity buildup? If rapid equity buildup is a factor, consider a shorter amortization period, such as a 15-year, fixed-rate mortgage.
- Do you anticipate increasing or stable income? If income growth is anticipated, youould take advantage of a lower start rate on an ARM or a temporary buydown.