With a fixed rate mortgage, budgeting and planning is easy. With the interest rate set for the life of the loan, your monthly payments do not change. These mortgages are often available with a term of 10, 15, 20, 25, or 30 years. The longer the loan, the less the payment each month. The shorter the loan, the faster you build equity. Fixed rate mortgages are available for new home purchases and refinancing.

An adjustable rate mortgage usually begins with a rate below that of a fixed rate loan, which can help you afford more home. After the initial period, typically one, three, five, or seven years, the rate will adjust up or down for the remainder of the loan. If the rate drops, your payment decreases; if the rate rises, so does your payment. ARMs feature a lifetime cap to protect you from huge increases in payment.

If your dream home requires a large loan amount, over $333,700, a jumbo loan is the answer. We can help keep your payments as low as possible.

This type of loan allows you to build the home of your dreams and finance it with one loan closing. It provides financing for the construction phase, and rolls over to the mortgage product that best suits your needs.

We provide flexible programs for second homes and investment properties such as loans with up to 100% loan-to-value.