Which loan is right for you?

It’s easier to buy a home
when you feel at home.

Traditional Loan Programs

Fixed Rates

  • Rates and payments fixed over the life of the loan
  • Can refinance if interest rates go down
  • Various terms available

Adjustable Rate Mortgages

  • Initial, low interest rates
  • A variety of fixed rate periods
  • Interest rate caps that can limit increases to rate

Balloon Mortgages

  • Lower monthly payments from longer amortization
  • Rates typically lower than fully amortizing loans
  • Balance may be able to convert to a new loan


  • Great for first time home buyers
  • Minimum down payment (can be a gift source)
  • Government-backed program

Portfolio Lending

  • Interim Construction Loan
  • Home Improvement Loans
  • Foreign National/Individual Tax ID Number (ITIN) Loans
  • Jumbo
  • Second Liens

Financial Management

  • Cash Out Refinance
  • Debt Consolidation Programs
Equal Housing Lender Member FDIC