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Mortgage Products
FHA, VA and Conventional Loans
These mortgages are a great choice for many homeowners because they offer lower down payment options than some other loan types. Credit score requirements vary from program to program.
Jumbo Loans
Financing options for highly qualified borrowers looking to purchase a home or refinance a property in a high-cost market.
• Primary and second homes only
• Purchase transactions and rate/term refinance transactions only
• Maximum property size 10 acres
• Single family homes and warrantable condominiums only
• Offered on fixed and adjustable rate loans
Construction-to-Permanent &
Renovation Loans
"One-Time Close" or "Two-Time Close" Options
One-Time Close:
Our convenient and competitive One-Time Close Construction to Permanent Home Loan is designed to take you from purchasing your lot, through building your home, to providing your permanent mortgage— all in one simple transaction.
• Lock in the interest rate before construction begins! Build a primary residence or a vacation home
• Take advantage of a 12-month or 18-month construction period*
• Make interest-only payments on the loan during your construction period**
• Requalification not required after initial loan closing
• Fixed or adjustable rate mortgage financing options
Two-Time Close:
Our flexible and competitive Two-Time Close Construction to Permanent Home Loans are designed to give you all the flexibility you need to choose the end-loan that’s right for your permanent financing. You will close on your construction loan
to purchase your lot, build your home, and then you can apply to refinance the construction loan into the kind of permanent financing that works for your needs. If you need more flexible financing terms, then this financing approach is for you!
• Choose any kind of permanent end-loan financing for which you qualify (FHA, VA, USDA or conventional)
• Requalification is required before permanent end-loan closing
• Fixed or adjustable rate mortgage financing options
USDA Loans
The USDA Loan program assists low- to moderate-income rural home buyers achieve the dream of home ownership.
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Use the USDA's program income limits to see if you qualify financially
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See if your property is eligible using the USDA's site
*18-Month construction term only valid when construction costs are >= $500,000
**May be tax-deductible, consult your tax advisor.