Mortgage & Personal Loans

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Mortgage Loans

FHA/USDA/VA

Also available through our trusted secondary market partners, we offer competitive fixed-rate mortgage options with terms of up to 30 years. This provides long-term stability and predictable monthly payments, giving you confidence and peace of mind well beyond the construction phase.

Conventional

We offer up to 80% financing, providing flexibility to help bring your dream home to life. Borrowers may choose from adjustable-rate options with terms up to 30 years, or a fixed-rate option with terms up to 20 years, allowing you to select the structure that best fits your financial goals.

Our team will guide you through each option to ensure your loan is tailored to your needs both during construction and for the years ahead.

Construction to Permanent

We offer both in-house and secondary market financing options to meet your construction and long-term mortgage needs. Once your building plans are finalized and your construction bid is secured, we provide a convenient one-time close construction-to-permanent loan for your single-family home.

During the construction phase, you’ll benefit from affordable interest-only monthly payments for up to 12 months, helping keep costs manageable while your home is being built.

Your local lender will personally oversee the inspection and draw process, ensuring funds are disbursed smoothly and efficiently as construction progresses. When your home is complete, we seamlessly transition your loan into the permanent financing phase all without the need for a second closing.

Build with confidence, backed by local expertise and personal service every step of the way.

Adjustable-Rate Mortgage

We offer mortgage terms of up to 30 years on single-family dwellings, including jumbo loan options for amounts exceeding $832,000.

For those seeking shorter-term financing, fixed-rate options are available for terms up to 20 years.

Financing is available for the purchase or refinance of single-family homes, with flexible structures designed to meet your long-term financial goals.

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Personal Loans

Home Equity Loan

We offer financing of up to 80% of your home’s unencumbered value, providing flexible access to the equity you’ve built.

Terms are available for up to 10 years, with convenient revolving payment options that allow you to access funds as needed while maintaining repayment flexibility.

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Home Equity Line of Credit

We offer both in-house and secondary market options to provide flexible home equity solutions tailored to your needs.

Financing is available for up to 89% Combined Loan-to-Value (CLTV), allowing you to maximize the equity in your home. With a revolving line of credit, you can draw funds when you need them and repay on your schedule, giving you ongoing access to available funds.

Terms are available for up to 20 years, offering long-term flexibility and convenient revolving payment options.

Leverage the value of your home with the confidence of local service and personalized guidance every step of the way.

Manufactured Housing

We offer financing options for mobile homes, designed to provide flexible and affordable solutions for homeownership. Our experienced local lenders will work closely with you to structure terms that fit your budget and long-term goals.

With personalized service and local decision-making, we’re here to guide you every step of the way.

Investment

We offer Non-QM mortgage solutions designed specifically for real estate investors. Whether you’re expanding your portfolio or purchasing your first investment property, we provide flexible financing options tailored to your strategy.

Both in-house and secondary market loan options are available, with terms of up to 30 years. Our experienced lending team will work with you to structure a solution that aligns with your investment goals and long-term plans.

Vacant Land

We offer in-house financing options for vacant land with terms of up to 20 years, providing flexibility as you plan for future development or investment.

For improved land, financing is available for up to 75% loan-to-value (LTV). In most cases, a survey is not required, helping streamline the process and reduce upfront costs.

Our local lending team is here to guide you through every step with responsive service and clear communication.

Automobile

We offer financing for vehicles up to 12 years old, with competitive rates and flexible terms designed to fit your budget.

Whether you’re purchasing from a dealer or a private seller, our local lending team makes the process simple and efficient with quick decisions and personal service you can trust.

Recreational Vehicles/Campers/Mowers/ATVs/Boats

We offer financing for recreational vehicles, mowers, ATVs, and boats for up to 6 years, with competitive rates and flexible terms.

Whether you're purchasing for work or weekend adventures, our local lenders provide fast decisions and personalized service to help you enjoy your investment with confidence.

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Unsecured

We offer unsecured personal loans with terms of up to 3 years, providing quick access to funds without requiring collateral.

Whether you’re covering unexpected expenses, consolidating debt, or financing a personal need, our local lending team delivers fast decisions and straightforward solutions tailored to your goals.

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Secured Personal Lines of Credit

We offer secured personal lines of credit with revolving access to funds and terms of up to 5 years.

This flexible solution allows you to borrow what you need, when you need it, while only paying interest on the amount used. With competitive rates and local decision-making, our team is here to provide convenient access to funds tailored to your financial needs.