Home Loans


Mortgage Loans

  • Your dream home is just a few clicks away
  • First-time homebuyer programs available
  • Fast, local decisions and expert advice from our lenders

Construction Loans

  • Customizable loans to help you build your dream home
  • Experienced lenders in commercial and construction loans
  • Unmatched personal service through life of loan

Lot Loans

  • Lot loan to dream home: Save time and money
  • We make buying your lot quick, easy, and affordable
  • Choose a lot loan to suit your construction schedule

First-Time Homebuyer Loans

  • Become a home owner with our special programs
  • Require less money down and typically lower rates
  • Low down payments are combined with closing costs aid

FHA & VA Loans

  • Affordable mortgage loans from these federal institutions
  • Little or no money down, and easier qualifications
  • Local hometown service every step of the way

USDA Rural Dev. Program

  • Tri-State area residents can buy with no money down
  • Must meet the income limitations and rural zone restrictions
  • Single family, owner occupied properties only