Home Loans

Whether you are buying your first home, upgrading to accommodate a growing family or are looking to refinance your current home, we offer several financing options exclusively designed for people who live or desire to live in the country.

• Competitive fixed and adjustable rates
• No requirement for expensive Private Mortgage Insurance (PMI)
• No requirement to freeze your money in a non-interest bearing escrow account
• You can prepay at any time without penalty
• Ability to convert your loan rate when interest rate environments offer savings
• Ability to lock in your rate
• Local servicing of your account - your loan is not resold
• Quick approval and loan closings, affordable payments

Did you know?

National statistics indicate most mortgage loans never last beyond seven years. Many times, by the time the loan reaches the end of your fixed rate period, you have either purchased a new home, refinanced or paid off your loan.

For home mortgages or refinancing, we offer a popular line of Convertible Products. It's hard to beat our 5- and 10-year Convertible Loans for savings and rate security. These loans offer a 15-, 20- or 30-year financing period (you choose the one that meets your budget). However, your rate is fixed for a shorter duration, making your interest rate even more competitive.

A full line up

We offer fully fixed and fully adjustable loans.  We also offer a Rate Saver Program if you don't think you'll prepay your loan for the first 3 to 5 years of your note.   Click here for a description of our different rate programs and the benefits of each.

To request a copy of our Home Loan Brochure, please click here.