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Mortgage Loans

A mortgage loan permits the borrower to spread the cost of buying or building a home over a period of years. The debt is secured by a lien on the property.

How It Works:

The customer completes a mortgage loan application. The loan officer orders a credit check, appraisal, and verifies the application. The loan package is reviewed and a decision is made. When the loan is approved, a title check and appropriate insurance are required before closing.


  • Quick approval
  • Fixed rate
  • Variable rate
  • Automatic payment from checking available
  • Normally closed in 2-3 weeks from date of application
  • Low fees
  • No origination fee on Federal Home Loan Bank Loans
  • Interest may be tax deductible, consult a tax adviser regarding the deductability of interest
  • A flexible Freddie Mac program available


  • Convenience
  • Budgeting
  • Lower monthly payments
  • Convenient
  • Quick and easy
  • Affordable
  • Tax saving