- Closing normally occurs within 30 days. (Interest rate is locked for 60 days)
- State-of-the-art online mortgage application process.
- If interest rates drop while your application is in process, we automatically drop your
rate to the new lower rate without any action by the applicant.
- Minimal closing costs, no surprises or extra fees at closing.
- One loan number. One phone number. One bank. One loan officer.
Local, experienced and seasoned loan officers who are salaried, not commissioned,
who will gladly assist you in choosing the right loan to fit your own situation and
will handle your request from beginning through closing.
- We service our loans. Since we don’t sell our loans in the secondary market, our
customers will always have prompt, personal and local servicing at any of our offices.
- Attractive 1st time homebuyer program for primary residence and
a competitive 2nd home/vacation home product
- Credit scoring is not used to determine the interest rate you receive.
- No interest rate surcharge for jumbo loan requests.
- We make non-conforming loans and loans on homes with acreage.