The interest rate and payments are fixed over the life of the loan. The terms available are 10 year, 15 year, 20 year, 25 year, 30 year and 40 years. 

 The interest rate and monthly payment remain the same over the life of the loan. The terms available are 15 years and 30 years. Generally loans in excess of $417,000. are considered Jumbo Loans.

 The interest rate and monthly payments on Adjustable Rate Mortgages change at pre-determined periods.The amount of any increase or decrease to an interest rate at any given adjustment period usually has caps (limitations). The changes are usually tied to a well known index such as the Treasury Index or Libor. 

Interest Only Mortgages require the payment of interest during the first ten years of the loan. Principal is not required to be repaid during this period. After ten years, the loan becomes fully amortizing with principal and interest payments required over the remaining life of the loan. 

 We offer both fixed rate and adjustable rate financing for the purchase of developed building lots.

We offer conventional financing for permanently affixed mobile homes located on an approved lot owned by the borrower.