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Let us help you find or refinance your home. What type of loan are you looking for?

Buying a home?

Whether you’re a first-time homebuyer or a seasoned house-hunter, we can refer you to a Realtor and make finding, financing and insuring your new home easy.

Refinancing a home?

Want to lower your monthly mortgage payment, switch to a fixed-rate loan, or get cash out to finance home improvement? We can point you in the right direction.

Learn more about our loans & rates

Fixed-Rate Loans

  • Know exactly what your mortgage payment will be for the life of the loan
  • Interest rate is locked-in, protecting you if rates go up
  • A good choice if you:
    • Plan to stay in your home for at least seven years
    • Expect steady income
    • Want the security of knowing your payment won’t change
Features
  • 10-, 15-, 20- and 30-year terms
  • Buy a home with as little as 3% down (subject to MI approval and limitations)
  • Loan amounts to $3,000,000
  • Primary residences, vacation homes and investment properties
  • Up to four unit properties
How a Fixed-Rate Mortgage Works
  • Monthly payments based on principal and interest
  • Fully amortized - your loan pays off over the loan term
  • Your payment will never change
Mortgage Rates
LOAN RATE APR
30-year fixed 3.875% 3.907%
15-year fixed 3.250% 3.323%
10-year fixed 3.125% 3.178%
5/5 ARM 2.750% 3.649%
Price your loan
HOMEAdvantage Program Build Equity Faster

ARM Loans

  • Adjustable-Rate Mortgages (ARMs) typically have a lower initial interest rate than fixed-rate loans
  • Payments are fixed for 5 or 7 years, after which the rate and payment can increase or decrease annually or in the case of the 5/5, once every five years.
  • A good choice if you:
    • Expect to sell your home before the end of the fixed-rate term
    • Anticipate an increase in income
    • Expect interest rates to fall, and can accept the risk if rates increase
    • Need the lower payment offered with an ARM
Features
  • Fixed rate for 5 or 7 years
  • Buy a home with as little as 3% down (subject to MI approval and limitations)
  • Loan amounts to $3,000,000
  • Primary residences, vacation homes and investment properties
How a ARM Works
  • Interest rates are fixed for the first 5 or 7 years of the loan
  • After the fixed-rate period, your interest rate can increase or decrease annually, after every 5 years.
  • Rate adjustment caps protect you by limiting the amount your rate can increase
Mortgage Rates
LOAN RATE APR
30-year fixed 3.875% 3.907%
15-year fixed 3.250% 3.323%
10-year fixed 3.125% 3.178%
5/5 ARM 2.750% 3.649%
Price your loan
HOMEAdvantage Program Build Equity Faster

Jumbo Loans

  • Loan amounts greater than $625,500
  • Choice between fixed or adjustable rates
  • A good choice if you:
    • Need a mortgage between $625,501 and $3,000,000
    • Have excellent credit
    • Want to use equity for home improvements, debt consolidation or to get cash out
Features
  • Loan amounts up to $3,000,000
  • Buy a home with as little as 3% down
  • Primary residences only
  • 15-, 20- and 30-year terms
How a Jumbo Mortgage Works
  • Jumbo loans are just like other mortgages, apart from the loan amount
  • Select from 15- or 30-year fixed, or ARM options
  • Higher credit standards are required
Mortgage Rates
LOAN RATE APR
30-year fixed 3.875% 3.907%
15-year fixed 3.250% 3.323%
10-year fixed 3.125% 3.178%
5/5 ARM 2.750% 3.649%
Price your loan
HOMEAdvantage Program Build Equity Faster

5/5 ARM Loans

Features
  • Rates as low as 3.686% APR*
  • A lower initial rate
  • Lower monthly payments during the first five years
  • Greater payment stability; changes occur every 5 years vs. annually
  • Generous loan limits up to $2 million
  • Only 5% down for loans up to $850k with PMI approval
How a 5/5 ARM Mortgage Works

The 5/5 Adjustable Rate Mortgage gives members a low initial rate, lower payments and longer fixed periods through the life of the loan. Similar to a 5/1 ARM, the 5/5 ARM features a rate that’s fixed for the first five years, but instead of your rate adjusting each year after the initial period, your rate adjusts only once every five years.

Mortgage Rates
LOAN RATE APR
30-year fixed 3.875% 3.907%
15-year fixed 3.250% 3.323%
10-year fixed 3.125% 3.178%
5/5 ARM 2.750% 3.649%
Price your loan
HOMEAdvantage Program Build Equity Faster


30-Year Fixed - APR=Annual Percentage Rate. Sample based on owner-occupied, single family residence purchase loan amount of $417,000 at 75% Loan to Value. Interest rate=3.875%; APR=4.084% resulting in 360 monthly payments of $1,960.89. Loans subject to borrower and property qualifications, not all applicants may be approved. Fees and charges apply. Sample based on highest credit qualifications. Effective 12/1/2014; subject to change without notice. Conditions, restrictions, and terms may apply. Available in all states except AL, CT, HI, ID, MA, NM, NY and VT. Other loans available.

3%-Down - APR=Annual Percentage Rate. Sample loan amount of $417,000 based on purchase of a single family residence at 97% loan-to-value with a 4.849% APR and an interest rate of 4.250%. Monthly principal and interest payment of $2,051.39 for 360 months. Down payment of 3% must come from borrower’s own funds. Sample rate based on FICO score of 740 and above. Loans subject to borrower and property qualifications, not all applicants may be approved. Fees and charges apply to the loan and are effective 12/1/14 and subject to change without notice. Conditions, restrictions, and terms may apply.

5/5 ARM - APR=Annual Percentage Rate. Rate fixed for initial 5 year period, then becomes adjustable and may increase or decrease once every 5 years. Maximum rate adjustment of 2% per five years and 5% over the life of the loan. Index: 5-year CMT; Margin: 2.50%. Payment example based on a owner-occupied, single family residence purchase loan for a borrower with excellent credit: 5/5 ARM at $350,000 mortgage for years 1-5 at a rate of 2.750% (3.715% APR) resulting in 60 monthly payments of $1,428.84; then for years 6-30, 300 payments of $1,660.66 based on an estimated rate of 4.150% (4.209% APR, today’s index + margin). Rate may increase or decrease subject to market conditions. Rates effective 12/1/14. Does not include taxes and insurance. Rate/APR, terms and condition are all subject to change without notice. Available in all states except AL, CT, HI, ID, MA, NM, NY and VT. Other loans available.

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