Home Loans

  • Fixed Rates as low as 4.49%
  • Enjoy no application fee
  • Closing Costs as low as $499 
  • Apply Now!

Home Equity Financing

It’s one of the most cost-effective borrowing solutions you can choose. By leveraging the equity you’ve established in your home, you receive a low rate – lower than many other forms of financing. Borrowing amounts and repayment terms are also flexible.

Fixed Home Equity Line-of-Credit (HELOC) – Is an open line that can be accessed up to two years or four years.  We offer a 10-year term that would allow you to take withdrawals for up to two years.  We also offer a 15-year term that would allow you to take withdrawals for up to four years.  Once the draw period has ended and/or you have stopped taking withdrawals, it will become a fixed payment based on the 10 or 15-year term.   The fixed rate and amount of your line are based on your available equity and creditworthiness. 

Features Include:

  • As low as 4.49% APR*
  • Ten Year Repayment with a two year draw period
  • Fifteen Year Repayment with a four year draw period
  • Borrow up to 90% of your home’s value 

Versatile Uses – To fund your home renovations, a home equity loan or line is an excellent choice. And depending upon your project, you can often recoup much of your original investment. 

Projects That Pay You Back!

To make the most of your investment, consider these top five projects:

#1 Minor Bathroom Remodel

Average return at resale: 102 percent

#2 Landscaping

Average return at resale: 100 percent

#3 Minor Kitchen Remodel

Average return at resale: 98.5 percent

#4 Exterior Improvements

Average return at resale: 95.5 percent

#5 Attic Bedroom Conversion

Average return at resale: 93.5 percent

Source: HGTV http://www.hgtv.com/design/real-estate/top-home-updates-that-pay-off-pictures.

The beauty of home equity financing is that you can use it for any project you have in mind and use the funds for exactly what you need.

Ready To Apply?

Call us, stop in, or Apply Here Today. We can help finance your perfect project.

*APR=Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice.

Mortgage Loans

Are you ready to purchase your first home? Want to move up to a larger home? Do you want a better rate on your present mortgage?

Whatever your mortgage needs are, our mortgage partner, State Financial Network, has a variety of mortgage options to help you purchase your dream home or refinance your present mortgage.

Apply Online or call 1-800-426-7140 and ask to speak to a mortgage officer to customize a mortgage that’s best for you!