Home Loans

Explore Loan Options

Mortgage Loans

Home Possible Mortgage by Freddie Mac

Lower down payment option than FHA

 Flexible sources of funds for down payment

 Mortgage Insurance is able to be canceled after a certain period of time

 Low Fixed Rate

Please contact  Michelle Hotard to explore this option.

FHA and rural housing loans

Fixed rate conventional loans

In-house local mortgages to fit a variety of needs

Low down payment options available

Primary residence, second home, investment property mortgages available

Construction Loans

Ready to build the home you have been dreaming of? We can make that happen! Construction Loans are lines of credit that are set up on an interest only monthly payment. These payments increase as your balance increases preparing you for the mortgage payment on your permanent financing. Our team has the experience to make the building process as painless as possible and can offer you competitive rates and terms on construction financing.

Call your local loan officer to find out more information on making your dream a reality.

Lot/ Land Loans

Did you find the perfect location to build your dream home? We can help make that dream a reality! We offer lot/land loans with competitive rates and no pre-payment penalties.

Call your local loan officer for rates and available terms.

Home Improvement/ Home Equity Loans

Looking to increase the value of your home? Look no further! We offer home improvement and home equity loans to help you achieve this goal. A home equity loan, or home equity line of credit (HELOC) is a variable rate line of credit that uses your primary residence as collateral for the debt.

Please contact your local loan officer to explore this option.