Buying a home is a big decision. We can make it easier!

Our local experts are here to help guide you through the process from application to closing.
Because our team looks at each loan individually, we are more flexible than larger lenders and can design the best product for you. Our loan officers are dedicated to helping make your dream of home ownership come true.


Fixed Rate Mortgages

A steady and budget-friendly choice because it locks your rate for the entire loan. Enjoy a peace of mind in knowing your monthly payment will never increase no matter what happens in the market. Contact a loan expert for rates.

Adjustable Rate Mortgages

Adjustable rate mortgages give you a lower introductory interest rate making your monthly payment more affordable in the beginning. Interest rate adjustments are planned, so you will never be caught off guard by a payment charge.

Type LTV Interest Rate Annual Percentage Rate Initial Monthly Payment
1/1 ARM 80% 4.00% (floor rate) 7.97% $725.07
3/1 ARM 80% 4.00% (floor rate) 7.47% $690.68
5/1 ARM 80% 4.00% (floor rate) 7.09% $665.30

Annual Percentage Rate is based upon  $100,000, 30 year loan.  Payment amount does not include real estate taxes or insurance and your actual monthly housing expense will be greater.  The index is based on the 1 year Constant Maturity U.S. Treasury Bill.  A margin of 2.75% will be added to the index to determine future rates.  Interest rate cannot increase more than 2% per year or 6% over the life of the loan. Future monthly payments will increase if the interest rate increases. Interest rates are subject to change at any time without notice. Rates are effective as of  March 21, 2023.


    • Low closing costs
    • Competitive fixed and variable rates (rates are subject to change)
    • Convenient payment options
    • Expert loan team


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