Explore Your Mortgage Options.

When it comes to home ownership, there are lots of options. Luckily, our mortgage lending experts can help you determine which is best for you.

Summary

  • Several convenient home mortgage options and programs available
  • Competitively low rates across the board
  • Flexible terms to fit you and your family
  • Local Tallahassee home equity loan decisions
  • Dedicated service to see you through the home-buying process
  • Plus, we can also help you refinance your home!

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Conventional Fixed Rate Mortgage

A conventional mortgage is best for well-qualified borrowers that have the ability to make a down payment. This mortgage loan has a fixed interest rate and stable monthly payments.

  • Competitive rates
  • Flexible terms to fit your financial needs
  • Local decision making
  • Banking experts to walk you through the home-buying process

Adjustable Rate Mortgages

An Adjustable Rate Mortgage (ARM) is a home loan with an interest rate that can change periodically. This mortgage solution may be a good fit for homebuyers or current homeowners who plan to move within a few years.

  • Lower starting interest rate
  • Fixed-rate term for 3, 5 or 7 years
  • Caps on potential adjustments thereafter
  • Local decision-making
  • Mortgage experts to walk you through the home-buying process

Jumbo Loans

Jumbo loans provide financing opportunities for high-priced or luxury homes. This is ideal for loan amounts over $806,500 for conventional loans; $524,225 for FHA loans.

  • Loan amounts up to $3,000,000 on primary residences for well-qualified borrowers
  • Available in a variety of fixed rate terms or 5/1 or 7/1 Adjustable Rate terms

Construction-to-Perm Financing

When you're ready to start building, contact us, and one of our construction-to-permanent loan experts will walk you through the details. Also known as construction-to-perm, this type of loan is used to finance the construction of a home. When the home is complete, it converts into a permanent mortgage loan. The process is similar to the standard home loan process. As with a standard mortgage, you'll need to have the appropriate down payment and funds to cover the closing costs. This mortgage loan has a fixed interest rate and stable monthly payments.

  • Competitive rates
  • Flexible terms to fit your financial needs
  • Local decision making
  • Construction-to-Perm experts to walk you through the process

FHA Loans

FHA Loans are insured by the Federal Housing Administration and offer a wide range of flexibility for borrowers.

  • Minimum credit score of 620
  • Minimum down payment of 3.5%
  • Mortgage insurance requirement of 1.75% upfront (financed) and 55 bps monthly
  • Seller contributions allowed up to 6%

VA Loans

If you are a service member, veteran, spouse or other beneficiary, you may be eligible for a VA Loan. This loan can be used to buy or refinance a home or mortgage loan.

  • Minimum credit score of 620
  • No down payment required
  • No private mortgage insurance (PMI)
  • Seller contributions allowed up to 4%
  • Escrow required

USDA Loans

USDA Home Loans are available in designated rural areas for low- to moderate-income borrowers.

  • Minimum credit score of 640
  • No down payment required
  • Mortgage insurance requirement of 1.00% upfront (financed) and 35 bps monthly
  • Seller contributions allowed up to 6%
  • Escrow required

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All loans subject to credit approval.

Financial Statement Forms

Track financial health with the Personal Financial Statement spreadsheet. 

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Meet Your Lenders

Laura Jo Hewitt

Vice President, Mortgage Lending Manager

NMLS #775253
Phone: (850) 907-2344
Specializes In: Home Mortgages, Construction Perm Loans

Christie Powis Homola

Senior Mortgage Loan Officer

NMLS #658187
Phone: (850) 907-2334
Specializes In: Home Mortgages, Construction Perm Loans

April Brueckheimer Dean

Senior Mortgage Loan Officer

NMLS #1303118
Phone: (850) 907-2338
Specializes In: Home Mortgages, Construction Perm Loans

Lisa Munroe

Mortgage Loan Officer

NMLS #1958829
Phone: (850) 556-5906
Specializes In: Home Mortgages, Construction Perm Loans

Rebecca Bollmann

Mortgage Loan Officer

NMLS #2537259
Phone: (850) 907-2336
Specializes In: Home Mortgages, Construction Perm Loans

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