- Simple, customer-friendly online mortgage application process.
- Minimal fees with no surprises (no application, documentation preparation or tax service fees).
- Competitive rates and a variety of mortgage options to fit your needs, including an attractive 1st time homebuyer program and a competitive 2nd home/vacation home loan product.
- Dedicated, local loan officers who are salaried, not commissioned, who will be with you from origination through closing.
- Interest rate locked for 60 days plus rate protection (if interest rates drop while your application is in process, we automatically reduce your rate to the new lower rate without any action needed on your part).
- Mortgage programs with as little as 10% down with no PMI (private mortgage insurance) required.
- We make loans on homes with acreage.
- Credit Scoring is not used to determine the interest rate you receive.
- Your loan stays right here. We retain and service our mortgages; we do not sell them in the secondary market. Enjoy personal and local service throughout the life of your loan.
- Jumbo loans offered. (loan amounts over 417,000)