HOME PURCHASE

 

• Qualified applicants* may finance up to 95% of the appraised value or sales price, whichever is less.
  • Primary Residence and Second Home purchases only.

 

• Qualified VA applicants* may finance up to 100% of the appraised value or sales price, whichever is less.

 

• Lock in your rate for 90 days while you shop with our RateProtector feature.

 

• Decrease your mortgage rate within the first 36 months with our RateSwap feature, if rates go down.

HOME REFINANCE

 

• Qualified applicants* may refinance up to 95% of the appraised value.

 

• Closing fees may be added to the principal balance of the mortgage (not to exceed 95% loan to value).

HOME EQUITY

 

• Qualified applicants* may finance up to 80% of the value of the home less any first lien mortgage.

 

• Funds are disbursed directly to the member, less any payoffs required.

 

• There are minimal closing fees.

HOME IMPROVEMENT

 

• Qualified applicants* may finance up to 80% of the value of the home less any first lien mortgage.

 

• Funds are dispersed directly to the contractor.

 

• Minimal closing fees.

 

• Occupancy requirements: Homestead property.

BARNDOMINIUM

 

• Add .50% to interest rate.

 

• Max LTV 80%.

 

• Max Loan Amount $200K.

 

• Minimum credit score 680.

 

• Term up to 20 years.

JUMBO LOANS

 

• Add .50% to interest rate.

 

• Max LTV 80%.

 

• Maximum loan amount $1,500,000.00.

 

• Minimum credit score 680.

 

• Term up to 30 years.

LAND PURCHASE

 

• Qualified applicants* may finance up to 80% of the appraised value or sales price, whichever is less.

CONSTRUCTION TO PERM

 

• Qualified applicants* may finance up to 95% of the appraised value or acquisition cost, whichever is less.

 

• Interim period is 12 months.

 

• Interest rate of 6.50% is applied on draws taken during the interim phase.

 

• Lock in your rate for 90 days while you shop with our RateProtector feature.