Home Loans

Finance Your Dream Home

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.

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.

Our Award Winning Team

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.

 

Meet the Mortgage Team



Buying and Refinancing

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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. 

Please contact your Mortgage Loan Officer for a quote. Send us a chat, call 800.856.7328 or visit your local branch to get started.

Conventional Loans

Purchase your new home with as little as 3% down, with 10- to 30-year terms available. Loans up to $806,500

Jumbo Loans

Make your dream home a reality with a jumbo loan, starting at $806,501. 10- to 30-year terms with firmer credit requirements.

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

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!

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! 

Mortgage Term Options

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Fixed-Rate Mortgages

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

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.

Building

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Land Loans

Found the perfect place to build your new home? Borrow up to 85% of the land’s value with terms from 20 years. Purchase and refinance options available.

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.

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history, location 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 reflected above include a maximum discount of 1.25%. Rates are effective as of September 14, 2026