Mortgage Rate Buydown Program
Looking for a more affordable mortgage option? Designed to make homeownership more attainable, the Federal Home Loan Bank Rate Buydown Program can reduce mortgage interest rates by 2% to qualified borrowers.
- Tailored for eligible households earning 80% or less of the area median income
- Can reduce mortgage interest rates by 2%
- 30-year fixed rate mortgage
- Owner-occupied, single family home
Looking to Buy a Home?
We have several lending options available. Check out our resources to help you purchase your next home.
Mortgage Application Checklist Payment CalculatorFirst hoME Loan
Our First hoME Loan can help you build equity faster and save you money with lower monthly loan costs than a Federal Housing Administration (FHA) loan! Put more of your monthly dollars towards paying down your mortgage so that your mortgage is paid off faster.
- 10% down payment and no Private Mortgage Insurance (PMI)
- Down payment can be a gift
- In-house servicing
- Experienced lenders to walk you through the process
hoME Opportunity Mortgage
Home ownership doesn’t have to be out of reach.
- Down payment as low as 3%
- No monthly mortgage insurance premium
- Owner-occupied, purchase transaction
- Available for 1-2 unit homes
- Gifts and grants are allowed
- Homebuyer education is required
Construction Loans
Our 2-phase construction loans make it easy to build the home of your dreams.
- 12-month construction phase
- Interest-only payments during construction phase
- Fixed interest rate
- Converts to a traditional mortgage at the end of construction phase
- Only one closing, saving you time and money!
Mobile Home
Manufactured to make you feel at home on your land.
- Fixed interest rate
- Down payment as low as 5% with private mortgage insurance
- Owner occupied primary residence or second home
- Mobile Home must be 25 years or newer
- Must be permanently affixed on owned land
Biweekly Loans
Accelerate your payments and the pay-down of your loan.
- Fixed interest rate
- Payments every two weeks
- 13 full payments over 12-month period
- Purchase or refinance
- Owner occupied primary residence or second home
Second Home Loans
Everyone’s idea of the perfect vacation home is different. Whether it’s a cabin in the woods, a camp on the lake, a slope-side condo, or a beachfront cottage, we’re here to help. Our knowledgeable lenders will work with you every step of the way. In fact, we’re here for you over the entire life of your loan with local servicing!
- Down Payment of 20%
- Various Terms Available
- Fixed or Adjustable Interest Rates Available
Refinance Your Mortgage
Let us work with you to determine if now is the best time to refinance, and if so, what’s the best option for you.
If you answer “Yes” to any of the questions below, we recommend giving us a call.
- Is your current rate 0.50% or higher than our current rates?
- Do you need to lower your payment due to loss of income or retirement?
- Are you looking to shorten your current term due to an increase in your income or other factor?
- Are you looking to pay off your mortgage sooner so you can become debt-free?
- Do you currently have an adjustable-rate mortgage and would like to convert to a fixed loan rate?
Apply Now
Buying a home can be a complicated process, but with local support and local decision-making, we can get you into your dream home quickly.
Apply NowCheck Rates
Get the benefits of more lending power, competitive rates, and local decisions.
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