A Conventional Mortgage is a mortgage in which the interest rate does not change during the entire term of the loan (also known as a Fixed-Rate Mortgage). These loans are used to buy a home or borrow money against the value of a home you already own. Loan terms usually range from 10 to 30 years and have fixed interest rates. With Private Mortgage Insurance, you can finance the home of your dreams with as little as 5% down.

Construction to permanent loans work by providing you with the funding you need to build the home and mortgage in a single loan package. When you take out a construction to permanent loan, you’re typically only required to make interest payments during the construction process. Construction to permanent loans eliminate the need for two different loans. Instead, you get a single loan to purchase the land and build the home that will convert to a permanent mortgage when construction is complete. Loan terms typically range from 15 to 30 years and have fixed interest rates. You need as little as 10% down.

A land loan — sometimes referred to as a lot loan — is used to finance the purchase of a plot of land. You can take out a land loan if you’re interested in buying a piece of land to build a home or use for personal purposes. Our Lot Loan program provides you with the protection of a fixed 10-year rate mortgage. Finance up to 75% of the land’s value for improved lots and up to 65% for unimproved lots.

A swing loan is a short-term loan that homebuyers often use in real estate transactions to finance the purchase of a new home before selling their existing home. The borrower takes out the loan against their current home to finance the purchase of a new property. The Swing Loan is a 12-month interest only loan. You can borrow up to 80% of the value of your home.

Being a landlord isn’t always easy, but financing your rental home can be! We provide Investment Property Loans for those interested in buying second homes (of up to four units) and investment properties. Investment Property Loans can be used for either purchasing an investment property or refinancing an existing property. Loan terms usually range from 10 to 30 years and have fixed interest rates. You need a minimum of 20% down.

Looking to refinish a basement, make repairs or add on to your home? Home Improvement Loans can fund small cosmetic projects or large-scale renovations and construction. Because a Home Improvement Loan is a type of mortgage loan, its interest can often be deducted at tax time (Consult a tax advisor to determine if this applies to your situation).

Government home loans are mortgages that are guaranteed or issued by a federal agency to help first-time home buyers, rural residents, veterans and others buy, refinance or improve a home.