Home Loans & Mortgages

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Already a homeowner? Tap into your home equity easily and affordably for any purpose by applying for one of our home refinance options. We offer both fixed-rate and adjustable-rate mortgages to help you keep your home loan payments further within your budget. By refinancing your current mortgage, in many cases you can get a better overall payment structure and more favorable loan terms and rates.

Fixed-Rate Mortgages

A fixed-rate mortgage ensures that your monthly payment remains the same throughout your loan term. We offer traditional terms of 15, 20, or 30 years, or you can customize your request by choosing a term between 5 and 30 years. Fixed-rate mortgages are ideal for those who plan to stay in their house long-term, allowing a consistent payment over the term of the loan.

Adjustable Rate Mortgages (Fixed-rate term with adjustable feature)

An adjustable-rate mortgage (ARM) gives you the benefit of locking in a low fixed interest rate for a certain number of years, then adjusts after the fixed term expires. Adjustable Rate Mortgages are ideal for those who may be considering moving within the first 5-7 years and allows them to take advantage of lower interest rates than the typical 30-year fixed rate mortgage.

The most popular ARMs have a fixed rate for the first five or seven years, then have an adjustable rate that typically adjusts annually. These are called 5/1 or 7/1 ARMs.

With a 5/5 ARM, your Annual Percentage Rate will stay the same for the first 5 years of the loan versus changing every year. After the initial 5 years, the rate will only adjust every 5 years for the life of the loan, depending on the market.

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