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Our Mortgage Programs

 

Conventional Mortgage

  • 3 - 5% down payment required
  • Fixed rates
  • 30 year maximum term

 

Adjustable Rate Mortgage

  • 10% down payment required
  • 15 and 30 year terms available
  • Includes 1/1, 3/1, 5/1 & 7/1 ARMS
  • Owner Occupied Only

 

Lot Loans

  • 15 - 25% down payment required
  • 15 year maximum term
  • Fixed and Adjustable rates available

 

Construction Loans

  • Low closing costs
  • Down payment as low as 10%, can include lot equity
  • Large network of approved builders

 

USDA Rural Development Loans

  • Low to No Down Payment
  • Fixed Rate
  • 30 year term
  • Most of our six county service area is eligible, excluding properties within the City of Lima

 

FHA/VA Loans

 

HARP (Home Affordable Refinance Program) - ends December 2015

 

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