Home Loans
Whether you're buying, refinancing, or accessing equity, we have the right mortgage solution with competitive rates and personalized service.
Purchase & Refinance Options
Rates effective 12/31/2025. Rates subject to change.
- Predictable monthly payments
- Build equity over time
- Most popular option
- Lower total interest paid
- Build equity faster
- Own your home sooner
- Lower initial payments
- Great if you plan to move
- Rate caps for protection
- Loans up to $3 million
- Competitive jumbo rates
- Flexible down payment options
Home Equity Solutions
Tap into your home's equity for renovations, debt consolidation, or major expenses.
Home Equity Line of Credit (HELOC)
Flexible access to your home equity as you need it
- Draw funds as needed
- Only pay interest on what you use
- 10-year draw period
Home Equity Loan
Fixed-rate lump sum for major expenses
- Fixed rate and payment
- One-time lump sum
- Terms up to 20 years
The Home Loan Process
Pre-Qualification
Check your eligibility with no impact to credit
Full Application
Submit documents and lock your rate
Processing
Our team reviews and prepares your file
Closing
Sign final documents and get your keys
First-Time Homebuyer?
We're here to guide you through every step of buying your first home. Take advantage of special programs designed just for you.
- Down payments as low as 3%
- First-time buyer education resources
- Down payment assistance programs
- Gift funds allowed for down payment
Frequently Asked Questions
How much can I afford?
As a general rule, your monthly housing payment should be less than 28% of your gross monthly income. Get pre-qualified to see your personalized budget.
What's the difference between rate and APR?
The rate is the interest charged on the loan. APR includes the rate plus fees, giving you the true cost of borrowing.
Should I lock my rate?
Rate locks protect you from rate increases while your loan processes. We offer locks from 30-90 days depending on your timeline.
What documents do I need?
Typically: 2 years of W-2s/tax returns, recent pay stubs, bank statements, and ID. Self-employed borrowers may need additional documentation.
Ready to get started?
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