Mortgage Product's

We offer the following loan programs to finance the purchase of a home or to refinance your existing home.

15, 20, & 30 year Conventional Loans
VA Guaranteed Loans
Rural First-time Homebuyer Down Payment Assistance
Guaranteed Rural Housing (GRH)
Long Term Jumbo Loans
Loans up to 100%, tailored to first-time home buyers (including NIFA Loans).
Adjustable Rate Mortgages
Balloon/Reset Mortgages
MI Free Loan Program
Neighborhood Solution Loans
Home Equity Loans
Construction Loans
Extended Lock Program
Home Improvement Loans
Second Home Loans
Bi-Weekly Home Loans
FHA Loans!

15, 20, & 30 year Conventional Loans: The interest rate is fixed for the term of the loan. See rate sheet for additional details.

VA Guaranteed Loans: The Veterans Administration guarantee allows a qualified veteran to buy a house without a down payment.

Rural First-time Homebuyer Down Payment Assistance: Sponsored by the Federal Home Loan Bank of Topeka, this program allows first-time homebuyers funds for down payment, closing costs or rehabilitation to purchase a home. Borrowers must meet eligibility requirements and complete home buyers education class.

Guaranteed Rural Housing (GRH): USDA Rural Development was developed to allow buyers to purchase adequate housing in rural towns without a down payment. Program does not require MI, no purchase price limit and is not restricted to first-time homebuyers. Property must be located in a town of less than 20,000 in population.

Long Term Jumbo Loans: This program is for borrowers with a loan amount above conforming loan limits. Loans greater than $417,000 are considered a jumbo loan. These loans typically carry a higher interest rate. Contact our mortgage department about creative financing to save you money.

Loans up to 100%, tailored to first-time home buyers (includes NIFA Loans): Ask a mortgage specialist today for information about NIFA loans. (FHA loans coming soon.) See rate sheet for additional details.

Adjustable Rate Mortgages: ARM loans feature an initial interest rate below the standard fixed rate loan programs. These payments will probably increase during the loan term. Applicants need to be extremely careful if they choose an ARM loan. You will receive extensive disclosures on this program.

Balloon/Reset Mortgages: These are short term loans that often offer a lower interest rate than the fixed rate conventional loan programs. Typical balloon loans are for 3, 5, or 7 years. At the end of the term you will owe the balance of the loan. Keep in mind that at the end of the term, the lender is not required to renew your loan.

MI Free Loan Program: Applicants can choose a MI (Mortgage Insurance) free loan. The lender can pay the mortgage insurance which could result in a higher mortgage rate, or the lender can pay the MI and charge the borrower points and not have a higher rate. The MI paid by the lender is not refundable. Borrower could save thousands of dollars.

Neighborhood Solution Loans: This loan program is for borrowers that serve our communities - Healthcare, Law Enforcement, Firefighters, and Education Professionals. Loan program offers 100% financing with borrower paid closing costs requirement of only $500.00.

Home Equity Loans: Contact a mortgage specialist today concerning a Home Equity Loan.

Construction Loans: Interium construction loans for the purchase of lot and building of the home. Typical construction loans are set up as a draw down line of credit which means you pay interest on only the amount that you have drawn. When construction is complete, we can roll your construction loan over to a long term loan program.

Extended Lock Program: Allows a borrower to purchase a longer lock period. Typical lock periods run 10 - 60 days. Longer lock periods may be beneficial to a borrower that is building a new home or one who speculates that the home loan rates will go up in the future. Extended lock programs will probably require an upfront non-refundable fee. Contact us today for details.

Home Improvement Loans: Contact a mortgage specialist today concerning a Home Improvement Loan.

Second Home Loans: Financing is available for a second home or vacation homes. Rates are usually slightly higher than a primary residence depending upon market conditions.

Bi-Weekly Home Loans: Applicant can pay their mortgage by making half payments of the required monthly payment every 14 days. The applicant will make 26 - half payments which will result in a 30 year mortgage being paid off sooner than the stated term. This program must be chosen prior to locking your interest rate.

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