Home Loans

• Home Loans
• Home Equity Loans and Lines
• Auto & Personal Loans

We're excited to start this process with you! We've got great loan options available, but if you're unsure which one is the right fit or what kind of home you can afford, just contact any of our local lenders. Don't worry; you don't need to be a financial guru to talk to us. We're happy to walk you through all your options.

Mortgage Services

Home Equity Loans & Lines

Home equity loans and lines of credit allow you to borrow against the equity you've built up in your home. Equity is the fair market value of your home minus any debt on the home. They can be used for a variety of purposes including renovation projects, major expenses such as a child's wedding, or consolidation of debt.

Contact a Local Lender

• • How much money do I need for a down payment?

  • When it comes to making a down payment, your decision should be based on your own financial goals. A higher down payment will save money in the long-run because you will have a lower interest rate and smaller monthly payments.

    However, it might be better to make a smaller down payment - say 5% to 10% down - if a larger down payment would drain your savings account.

    If you put less than 20% down, most lenders will require you to pay for private mortgage insurance, which protects the lender in the event you stopped making payments.

    Our lenders are happy to walk you through your options and discuss what makes the most sense for you!

  • How much home can I afford?

  • As you can imagine, the amount of home you can afford depends on a variety of factors such as your income, existing debt, credit history, etc. Contacting one of our lenders is the best way to get an accurate estimate. However, if you are just looking for a rough idea, our loan calculator is a great way to get an estimate of what your monthly payment would be.

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