Mortgage Loan Overview

Buying a new home should be a pleasant experience.


We would like to help make it that way by taking the worry out of applying for a mortgage. Find out how much home is right for you by taking the Home Buy-Ability Test. It will help you feel more comfortable when you apply for your mortgage loan with us. Once you know approximately how much home is in your price range, use our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage insurance are also not included, but may be added to your monthly payments.


Is Refinancing Right For You? Generally, it’s a good idea for you to consider refinancing whenever the interest rate for mortgages is more than two percentage points below your present mortgage. And whether you apply with us for a new mortgage to buy the home you want, or to refinance your present mortgage, ask about a Home Equity Line of Credit. It can provide you with flexible credit availability for home improvements, moving expenses or other projects that you have in mind.


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