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Mortgage Loans

Conventional Fixed Rate

Fixed rate loans are offered for 10, 15, 20, 25, & 30 years on both purchases and refinances. Up to 95% of the purchase price/ appraised value may be borrowed when paired with mortgage insurance.


Jumbo loans are available for borrowers that need to borrow more than $417,000 to purchase or refinance their primary or secondary residence with a long term fixed rate.


FHA loans are home loans that are insured by the Federal Housing Administration. FHA loans allow you to borrow up to 96.5% of the purchase price/ appraised value of your home. FHA loans tend to have more relaxed credit requirements and offer long term, fixed rates. Monthly principal mortgage insurance (PMI) is required.


VA loans are loans that are backed by the U.S. Department of Veterans Affairs. They are available to active personnel of the U.S. Military, veterans that have served and been honorably discharged, and some family members of service personnel. VA Loans offer borrows the ability to borrow up to 100% of their homes value at competitive fixed rates.

Rural Development

USDA Rural Development (RD) loans allow borrowers to purchase a home with Zero down payment. The loans are guaranteed by the United States Department of Agriculture. RD loans must be used for a primary residence. Borrowers must qualify for under the income limits and the property must be in an area that is considered rural by the USDA maps.

Reverse Mortgage

Reverse mortgages are a special type of loan available to people over the age of 62. These loans allow borrowers access to the equity in their homes without a required monthly payment of principal or interest as long as the borrower retains the home as their primary residence. 

Fresh Start

Fresh Start loans allow customers to purchase or refinance their primary residence when they have had recent derogatory housing events such as bankruptcy, foreclosure, short-sales, or deed-in-lieu without any seasoning time. Borrowers may borrow up to 85% of their homes value without principal mortgage insurance (PMI).


Construction loans are intermediate lines of credit where funds are advanced as construction on a home is completed.

Adjustable Rate Mortgage

Adjustable Rate Mortgages (ARMs) are home loans that offer a fixed rate period from one to seven years then become annually adjustable.

Home Equity Line of Credit

Home Equity Lines of Credit (HELOC) allow borrowers that ability to utilize the equity in their home. Working similar to a credit card, borrowers are able to draw money out as they need it, only paying interest on the portion that is used.