Mortgage & Home Finance

Buying or Building?

Whether it's your first-time or forever home, we offer competitive financing with local decision making.

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Reduce your loan term, rate or payment, consolidate debt and more. We’ll help with the math.

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Using Home Equity

Access the equity in your home for debt consolidation, home improvements and more.

Choosing a Mortgage

Whether you’re buying, building or simply need a bigger place to call home, we can help you find the right rates and terms. We have access to an array of loan products and use fast, state-of-the-art loan processing. Best of all, we provide personal service and support, making all of our lending decisions locally.

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Refinance Your Home

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If your home is worth more than you owe, we can help you explore the potential benefits of refinancing your existing mortgage. Our bankers can help you reduce your rate, lower your payment or simply leverage your home equity to consolidate debt or make other purchases.


Buying a Home

There’s a lot to know about buying a home. Our interactive module will give you the confidence to start the process off right.

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Home Equity Line of Credit

Access funds any time, for any reason, including overdraft protection. Use your home equity to establish a revolving line of credit.

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Frequently Asked Questions

How can I see what a monthly payment might be?

We have an extensive library of online mortgage calculators and financial tools to help you estimate payment information. The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters.

Are there any loan programs that don't require a down payment?

Yes, there are loan programs that do not require a down payment. If you and/or the property you are purchasing meet certain credit, employment history, location and other determining factors, a zero-downpayment loan may be an option for you. Contact one of our mortgage lenders to see if this is an option for you.

What is private mortgage insurance?

Private mortgage insurance protects the lender against default and enables the lender to make a loan. Lenders often require mortgage insurance for loans where the down payment is less than 20% of the sale price. You may be billed monthly, annually, by an initial lump sum, or some combination of these practices for your mortgage insurance premium.

Once I submit my application online, how long will it take before I know if I've been pre-qualified?

You will receive a phone call from one of our Mortgage Loan Bankers within 24 hours (during standard business days) of submitting your application. Depending on the complexity of your loan scenario, the pre-qualification process is fairly quick. A "pre-qual" is a guide as you go through the home buying process. It does not guarantee you will be approved for the mortgage.

Is there a fee to submit my mortgage application online?

No, applying online is free.