Services - Purchase

Ready for your dream home?

We offer following purchase services:

Fixed Rate Mortgage

The most common type of mortgage program where your monthly payments for interest and principal never change. Property taxes and homeowners insurance may increase, but generally your monthly payments will be very stable. Fixed rate mortgages are available for 30 years, 20 years, 15 years and even 10 years.

Adjustable Rate Mortgage

These loans generally begin with lower interest rate than fixed rate mortgage, and could allow you to buy a more expensive home, or to save monthly payment. However, the interest rate changes at specified intervals, depending on changing market conditions; if interest rates go up, your monthly mortgage payment will go up, too. However, if rates go down, your mortgage payment will drop also. Fixed rate for 3, 5, 7 or 10 years, then adjusts annually based on a financial index.

Loan Programs Need Benefit
Fixed Rate Mortgage To stay in your home for a long period of time.
Predictable monthly payments for easy budgeting.
Monthly principal and interest payments that never change.
The security of an interest rate that stays the same for the entire loan term.
Adjustable Rate Mortgage (ARM) To live in your home for only a few years.
The flexibility to move or refinance as new opportunities arise.
A monthly payment that's lower in the early years of the mortgage.
A lower initial interest rate than a fixed-rate loan

Excellent Credit requirements are tougher.
Examples of disqualifying factors may include:

If you apply, we will order your credit report (and any co-applicants) to confirm excellent credit history and timely account payment, particularly for the past 12 months.

** Restrictions apply. Program guidelines are subject to change. Some products not available in all states.