Home mortgage Loans and Programs

Trying to find the right home loan for you? Let us help you.

No matter what your home financing goals are, learning about your options is a good first step.

Home Loans and Programs what do you need to know?

Fixed Rate Mortgage

Monthly principal and interest payments don't change over the life of the loan, so you can budget accordingly.

You'll be protected from interest rate increases for the life of the loan, no matter how high-interest rates rise.

Adjustable Rate Mortgage (ARM )

Lower initial interest rate and monthly P&I payments than a fixed-rate mortgage with a comparable term.

Interest rates and monthly payments may change after the initial fixed rate period.

Jumbo loans

For clients who need financing for higher loan amounts:

Offers to finance above qualifying loan limits established by the Federal National Mortgage Association ( Fannie Mae ) and the Federal Home Mortgage Corporation ( Freddie Mac )

Interest rate discounts and other potential benefits are available through our Private Banking mortgage servicing group

Low Down Payment Options

For qualified home buyers with limited cash for a down payment:

Down payment as low as 3% on a qualifying conventional home loan with a fixed interest rate.

Allows use of donated funds and down payment assistance programs.

A loan with a low down payment will require mortgage insurance, which will increase the cost of the loan and increase your monthly payment as well. We will explain the available options so that you can choose the one that is most convenient for you.

Talk to a mortgage consultant about loan amount, loan type, property type, income, first-time homebuyer conditions, and homebuyer education requirements to ensure eligibility. 

Government Home Loan Options

For eligible customers, options like FHA, VA, and rural home guarantee programs could:

Offer low down payment programs

Allow use of donated funds and down payment assistance programs

Offer options to customers with credit difficulties

Require mortgage insurance

FHA loans have the advantage of allowing a low down payment, but consider all the associated costs, including the initial and long-term costs of mortgage insurance, and all fees. Ask your mortgage consultant to help you compare the total costs of all your home financing options.

Loans for newly built houses

For those who buy a newly built house:

Builder Best ® Extended Rate Guarantee Program

A dedicated team specializing in financing for newly built homes

Refinancing with obtaining cash ( cash-out )

For homeowners who want to access the available equity of their home:

Replaces your existing mortgage with a new loan that is greater than the original loan balance.

When you close on your new loan, you'll have access to the extra money you borrowed to pay for major expenses.

Home Equity Line of Credit (HELOC)

NOTE: Due to the current situation, some loans, including Home Equity Lines of Credit, may not be available at this time.

For homeowners who want ongoing access to the available equity in their home:

Since a HELOC is secured by your home's equity, your interest rate may be lower than many forms of unsecured credit.

During the withdrawal period, you can borrow money as you need it, up to your available credit limit.1

Relationship discounts may be available to qualifying customers.

If you're ready to apply online, continue