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Home Loans

Home Purchasing | Home Refinancing | Home Equity
 

Let's make the home buying process simple.

Though buying a home may seem like an intimidating process, it doesn't have to be. We'll walk you through the process in five easy steps, related to rooms in everyday homes:
  • One: Application
  • Two: Verification
  • Three: Valuation
  • Four: Title Commitment
  • Five: Closing





Ready to apply for a mortgage?


down payment + closing cost assistance

Freddie Mac BorrowSmartSM

You may be eligible to receive up to $2,500 in assistance to purchase a new home. With the Freddie Mac BorrowSmartSM program, we’ll help you with funding to pay your down payment or closing costs!


Utilize your home's worth

Home Equity Loan

Using the difference between your home's value and the balance on your mortgage, a home equity loan allows you to borrow a lump sum against equity to make improvements, pay off other debt, or any other need you may have!


Home Equity Line of Credit

Rather than a lump sum, take funds as you need them. Get approved for a set amount based on home equity, then write checks or transfer funds in digital banking into your checking account as you need!







Questions?

We have answers.
No, most realtors prefer that home buyers are pre-approved by a financial institution prior to looking at houses to be sure they are searching in their accurate price range. By being pre-approved you shorten the length of time needed to process your mortgage loan allowing you to move into your new home sooner. In addition, sellers prefer to know that potential buyers are pre-approved when presented with an offer to purchase.
In certain circumstances an escrow account may be required. Escrow accounts are highly recommended to our members in order to ensure timely payments of taxes and hazard insurance. With an escrow account, we handle the payment of taxes and insurance for you, allowing you to have one less thing to worry about paying on time. Should you have a question about an escrow account, you may contact your loan officer or stop by any of our offices.
No, we do not have a pre-payment penalty or early termination fee associated with any of our mortgage products.
When purchasing a home, the mortgage process generally takes 30 days. Refinances are generally processed in 45 days.
Yes, you can pay extra in addition to your regular payment at any time which results in a shortened loan term. This extra amount will be applied as a principal only payment, reducing your current balance, but will not affect your next payment due date.

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