Prime Mortgage Solutions

There are lots of options and our mortgage lending experts can help you determine which is right for you.

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 $424,000.

• 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