Personal Banking

Whether you have already located the home of your dreams, you have just started searching, or you are refinancing your current mortgage, let us help educate you on your mortgage options. Our friendly and knowledgeable loan officers will walk you through our loan application process. They can explain the importance of understanding how Annual Percentage Rate, fixed or adjustable rates, and loan term are essential to getting the mortgage that is right for you and your budget.

If you need help with a down payment, our loan officers can discuss with you the possibility of purchasing Private Mortgage Insurance to get you into that home you're dreaming of.

We have a wide array of products to meet your specific needs.

• 15, 20, and 30 year fixed-rate loans are available with in-house servicing and down payment requirements as low as 5%.
• 5, 7, and 10 year in-house balloon loans are available with amortizations up to 30 years and down payment requirements as low as 10%

No two situations are alike, so come in today to discuss how we can best serve your needs!

We have been providing mortgages for the families in our community for over a century.

Don't hesitate to Contact Us if you have questions about the mortgage process. We will be happy to sit down with you when it works for your schedule, even after our normal business hours.

Personal information

• Your social security number
• Approximate current balances of your checking and savings accounts
• List of all outstanding debt, including all charge accounts and credit cards
• Name, address of current mortgage holder if refinancing, or landlord if renting

Income Information

• Employer's name, address, and phone number
• W-2 forms and tax returns for previous two years
• Year-to-date pay stubs
• Proof of additional income you want to include in the qualifying process