Home Loans

Finance Your Dream Home

Our award-winning Mortgage Team is proud to partner with you along every step of your financial journey. Whether you’re ready to buy, build or need a specialized loan solution, our knowledgeable, local lending experts are ready to support your next step, whenever you’re ready to take it.

Lock and Shop

Enjoy peace of mind with Lock & Shop. Secure a competitive rate with our free rate locks and rate lock extensions. Focus on finding your dream home, not changes in the market.

Competitive Rates and Great Local Service

30-Year Mortgage Rate as low as 7.05% APR*
15-Year Mortgage Rate as low as 6.93% APR*
Meet Your Team

Manufactured Home in Park Loans

Borrow up to 95% of the home’s value with terms up to 25 years. Must be owner-occupied. Purchase and refinance options available. 

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Conventional Loans

Purchase your new home with as little as 3% down, with 10- to 30-year terms available. Loans up to $726,200.

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Jumbo Loans

Make your dream home a reality with a jumbo loan, starting at $726,200. 10- to 30-year terms with firmer credit requirements.

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Government-Guaranteed Loans

Enjoy low down payment options and flexible requirements that help make your homeownership dreams a reality!

  • VA Loans
  • USDA Loans
  • FHA Loans
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Individual Taxpayer Identification Number (ITIN) Loans

Buyers without a Social Security Number who can demonstrate a three-year history of residence in the United States and paying income taxes can secure up to 80% financing with terms up to 30 years. Non-traditional credit and flexible down payment options available!

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Non-Traditional Loans

Properties and buyers that don’t meet secondary market requirements can still get a loan with us!

  • Twice-moved manufactured homes
  • Two homes on one lot 
  • Mixed-use homes
  • Investment properties 
  • And more! 
 
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Land Loans

Found the perfect place to build your new home? Borrow up to 65% of the land’s value with terms from 15 years. Purchase and refinance options available.

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Construction Loans

Combine short-term construction and permanent financing for your custom home. Borrow up to $2,000,000. Authorize requests before funds are released to the builder and enjoy interest-only payments during the 12-month construction period. 10- to 30-year terms available.

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Fixed-Rate Mortgages

Enjoy payment stability with no risk of rate increases! Great for long-term purchasers.

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Adjustable-Rate Mortgages

Qualify for more home and secure a below-market fixed-rate for a set period of time! Great for short-term purchasers or those quickly paying off a loan.

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Equity Builder
Adjustable-Rate Mortgage

Build equity faster with our lowest below-market rate, higher loan-to-value ratios, loan payment stability features and no mortgage insurance needed.

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TruStage® Home Insurance

You work hard to give your family a home and the treasured memories that go with it. Help protect them with insurance from the TruStage® Home Insurance Program.†  Get a free quote today, and help make sure the place you call home has the protection it deserves.

 

† TruStage® Auto & Home Insurance Program is made available through TruStage® Insurance Agency, LLC and underwritten by leading insurance companies, including Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116 USA. ©2023 Liberty Mutual Insurance. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union.



* APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates are effective as of November 2024.