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Routing Number: 081206328

Home Loans

Congratulations on your homeownership plans! If you are a first-time home buyer or just need a refresher of the process, check out our Home Buying 101 page. It provides information that will keep you on the right track! And before you come in for an application check out our Home Loan Applicant's Checklist. This will ensure you save valuable time during the process.
Whether you're buying a home for the first time or buying a new home, choosing the right loan is one of the most important decisions you'll ever make. This single decision can save you thousands of dollars over the years!
That's why we offer such a wide variety of home loans. We have the expertise and experience as a lender to make sure you understand your options and get the loan that's right for your situation.
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Home Ownership Has Many Advantages

  • You can enjoy being part of a community.
  • As your home appreciates in value, so does your equity. This equity can work for you, should you sometime need a home equity loan.
  • You will diversify your financial portfolio. Owning a home is the single most important source of financial security and independence.
  • Interest paid on your home mortgage may be tax deductible, so consult your tax professional.

Types of Mortgages

Type of Mortgage Type of Buyer Special Features
Fixed Rate Mortgage Ideal for buyers who wish to lock in one of today's low interest rates, knowing that the monthly payments will never change. Also ideal for those with fixed income who expect to remain in the home 10 years or more. You choose the term that's right for you. Private Mortgage Insurance required on loans greater than 80% loan to value, certified appraisal required.
Adjustable Rate Mortgage (ARM) Ideal for buyers looking for lower, more affordable initial monthly payments, who expect interest rates to remain stable or decline during the time you are in the home, those with flexible income and do not expect to remain in the home more than 10 years. Loans not sold - extensions and rewrites at bank's discretion, Timing of payments set at customer's discretion, Biweekly or partial payments made at customer's discretion, lower rate in first term of loan, in house appraisal (depending on transaction), Private Mortgage Insurance (PMI) required when the loan to value is greater than 85%.
First Time Home Buyers n/a All available programs will be explored (PMI in lieu of down payment, etc) to match needs of new buyers to the best options in the market.

Home Equity Loan

Our home equity loans let you take advantage of the equity you've built up in your home. Whether you want to finance home improvements, plan for a college education or other major purchases a home equity loan can help you achieve your objective. The interest on the loan may be tax deductible (consult your tax professional).