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Mortgages

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Buying a house is a pretty big decision, but that doesn’t mean it has to be stressful. Our loan officers are some of the best around - they will guide you, answer your questions and get you into your home. You can feel secure knowing that your loan will be underwritten by an experienced team of professionals that are local to our community.

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  • Fixed Rate Mortgages1

    For homeowners seeking a predictable loan payment that does not fluctuate with interest rate changes and plan to stay in their home awhile. We offer a variety of different terms to meet your individual needs.

    • Interest rate stays the same for the life of the loan

    • A longer term loan allows you to establish a lower monthly payment

    • A shorter term loan allows you to pay off your loan faster.

    See Full Terms & Disclosures
    Fixed Rate Mortgage Rates1 Effective as of: July 25, 2025
    TERM DESCRIPTION RATE WITH 25% DOWN POINTS APR6 WITH 25% DOWN # OF MONTHLY PAYMENTS MONTHLY PAYMENT PER $1,000 BORROWED
    TERM: 30 Year Fixed Rate2 DESCRIPTION:Conforming RATE WITH 25% DOWN:6.625% POINTS:0.000 APR6 WITH 25% DOWN:6.681% # OF MONTHLY PAYMENTS:360 MONTHLY PAYMENT PER $1,000 BORROWED:$6.40
    TERM: 20 Year Fixed Rate2 DESCRIPTION:Conforming RATE WITH 25% DOWN:6.375% POINTS:0.000 APR6 WITH 25% DOWN:6.446% # OF MONTHLY PAYMENTS:240 MONTHLY PAYMENT PER $1,000 BORROWED:$7.38
    TERM: 15 Year Fixed Rate2 DESCRIPTION:Conforming RATE WITH 25% DOWN:6.125% POINTS:0.000 APR6 WITH 25% DOWN:6.211% # OF MONTHLY PAYMENTS:180 MONTHLY PAYMENT PER $1,000 BORROWED:$8.51
    TERM: 10 Year Fixed Rate2 DESCRIPTION:Conforming RATE WITH 25% DOWN:6.000% POINTS:0.000 APR6 WITH 25% DOWN:6.120% # OF MONTHLY PAYMENTS:120 MONTHLY PAYMENT PER $1,000 BORROWED:$11.10
    TERM: 30 Year Fixed Rate - Purchase Special4 DESCRIPTION:Jumbo RATE WITH 25% DOWN:6.625% POINTS:0.000 APR6 WITH 25% DOWN:6.674% # OF MONTHLY PAYMENTS:360 MONTHLY PAYMENT PER $1,000 BORROWED:$6.40
    TERM: 30 Year Fixed Rate3,5 DESCRIPTION:Jumbo RATE WITH 25% DOWN:6.750% POINTS:0.000 APR6 WITH 25% DOWN:6.799% # OF MONTHLY PAYMENTS:360 MONTHLY PAYMENT PER $1,000 BORROWED:$6.49
    TERM: 20 Year Fixed Rate3,5 DESCRIPTION:Jumbo RATE WITH 25% DOWN:6.750% POINTS:0.000 APR6 WITH 25% DOWN:6.814% # OF MONTHLY PAYMENTS:240 MONTHLY PAYMENT PER $1,000 BORROWED:$7.60
    TERM: 15 Year Fixed Rate3,5 DESCRIPTION:Jumbo RATE WITH 25% DOWN:6.375% POINTS:0.000 APR6 WITH 25% DOWN:6.452% # OF MONTHLY PAYMENTS:180 MONTHLY PAYMENT PER $1,000 BORROWED:$8.64
    TERM: 10 Year Fixed Rate3 DESCRIPTION:Jumbo RATE WITH 25% DOWN:6.625% POINTS:0.000 APR6 WITH 25% DOWN:6.736% # OF MONTHLY PAYMENTS:120 MONTHLY PAYMENT PER $1,000 BORROWED:$11.42

    Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

    To learn more, please visit a branch or give one of our mortgage loan officers a call.

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Complete List of Mortgage Loan Officer Names and Identification Numbers

Fixed Rate Mortgages Disclosure

1 All rates subject to change without notice.  Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

2 Conforming Fixed rates above are based upon a loan amount of $750,000, 1 unit, primary residence, purchase with a loan to value of 75% or less and FICO Score 780 or greater for a 60 day rate lock period. Rates may vary based on other scenarios.

3 Jumbo Fixed rates above are based upon a loan amount of $1,000,000 for a 1 unit, primary residence, purchase or rate and term with a loan to value of 80% or less and FICO Score 780 or greater for a 60 day rate lock period. Rates may vary based on other scenarios.

4 Purchase Special rate is based upon a loan amount of $1,000,000 for a 1 unit, primary residence, purchase with a loan to value of 80% or less and FICO Score 680 or greater for a 60 day rate lock period.  Rates may vary based on other scenarios.

5 High Balance County loan limits may be restricted.

6 Annual Percentage Rate (APR) is based on a primary residence property. All rates subject to change without notice. Subject to credit approval. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Adjustable Rate Mortgages (ARM) Disclosures

Adjustable Rate Mortgage Rates are based on a 1 unit, primary residence, purchase or rate and term with a loan amount of $750,000 for Conforming or a loan amount of $1,000,000 for Jumbo, a loan to value of 75% or less and FICO Score 780 or greater for a 60 day rate lock period. Rates may vary based on other scenarios.  All rates subject to change without notice. Subject to credit approval. The interest rate on adjustable rate programs may increase after the initial period. The fully-indexed rate is equal to a margin plus the index. Please ask us about the current index and margin for these products.

7 All rates subject to change without notice.  Payment amounts on the above products do not include taxes and insurance. Your payments may be greater.

8 The adjustable rate programs are based on a 30 year term. The rate may increase after the initial period.

9 High Balance County loan limits may be restricted.

11 Annual Percentage Rate (APR) is based on a primary residence property. All rates subject to change without notice. Subject to credit approval. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes; and the consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.