What is the right loan for you? We know buying a new home, second home or investment property is one of the biggest financial investments you’ll ever make. That’s why we have put together information about all of our home mortgage loan products for you to review.

Loan Options

First-Time Homebuyer

  • Down Payment as low as 3%
  • Easy Application
  • No Private Mortgage Insurance (PMI) required for loans with 10% down
  • Maximum closing costs of $1,000
  • Home$tart Down Payment Assistance
  • Purchase Only
Rate as low as *APR as low as
5.8755.972

15 Year Fixed Rate Mortgage

  • Only 15 year loan
  • Interest Rate and monthly payments remain the same for the entire term of the loan
  • Protection against rising interest rates
  • Home$tart Down Payment Assistance
  • Purchase or Refinance Option
Rate as low as *APR as low as
5.8756.130

30 Year Fixed Rate Mortgage

  • Interest Rate and monthly payments remain the same for the entire term of the loan
  • Protection against rising interest rates
  • Home$tart Down Payment Assistance
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.2506.406

OnPoint 10/1 ARM

  • Fixed percentage rate for the first ten years
  • Rate adjustments occur every year for the remaining term
  • Maximum increase of just 2% per rate adjustment with a lifetime maximum adjustment of 5%
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.1256.279

OnPoint 5/5 ARM

  • Fixed percentage rate for the first five years
  • Rate adjustments occur every five years for the remaining term
  • Maximum increase of just 2% per rate adjustment with a lifetime maximum adjustment of 5%
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.1256.252

OnPoint 7/1 ARM

  • Fixed percentage rate for the first seven years
  • Rate adjustments occur every year for the remaining term
  • Maximum increase of just 2% per rate adjustment with a lifetime maximum adjustment of 5%
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.1256.279

FHA Loan

  • Low down payment options
  • Allows for lower credit scores than conventional mortgage
  • Fixed Rate
  • Protection against rising interest rates
  • Interest rate and monthly payments remain the same for the entire term of the loan
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.0006.374

Jumbo Mortgage

  • Purchase a more expensive property
  • Variety of terms available
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.6256.666

HomeReady

  • Flexible down payment options
  • No minimum cash contribution required
  • Affordable Payments
  • Cancellable mortgage insurance
  • No income restrictions in designated low-income communities
  • Home$tart Down Payment Assistance
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.5006.660

Rural
Development

  • Fixed-rate
  • 30 year mortgage
  • No down payment option
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.0006.201

VA Mortgage Loan

  • Backed by the Department of Veterans Affairs
  • Low to no down payment options
  • No mortgage insurance
  • Purchase or Refinance Option
Rate as low as *APR as low as
6.0006.046

Rapid Refi

  • No closing cost options
  • 10 or 15 year term with low fixed rate
  • No annual fees
  • Refinance Only
Rate as low as *APR as low as
6.6256.718

Construction-To-Permanent Loan

  • Interest-only payments while your home is being built
  • Save time and money with one loan
  • Take up to 12 months for construction
Rate as low as *APR as low as
6.1256.252

Rates effective as of June 12, 2026 and are subject to change at any time without notice.

*APR = Annual Percentage Rate. Rates subject to change. The APR displayed for the loan products shown reflects the interest rate and approximate cost of prepaid finance charges and closing costs. The actual fees, costs, and monthly payment on your specific loan transaction may vary and may include additional fees and costs. Your rate and APR may differ depending on your credit history, property value, loan amount and other factors.

Loan payment example: A $200,000 borrowed for 360 months (30 years) at 6.000% interest and 6.153% APR will have a monthly principal and interest payment of $1,199.
The rates displayed are based on the assumptions listed below and pricing for a standard loan amount range of approximately $176,000 to $200,000, which we use to establish our base mortgage rate.

  • Credit score 780 or higher
  • LTV 80% (20% down payment)
  • Purchase
  • Owner-occupied, single‑family home
  • No secondary financing
  • 45‑day rate lock assumption

Please note that if your credit score, down payment, or other characteristics differ from the assumptions above, your rate may be higher or lower. Subject to credit approval. Property insurance is required. Rates, terms and conditions are for sample purposes only and subject to change. Rate payment example does not include costs of insurance and taxes; therefore, the actual payment obligation will be higher. Please contact your Mortgage Loan Officer for specific, customized pricing for your financial situation.