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Home Purchase

You're one step closer to realizing the dream of homeownership. Whether you're a first-time home buyer, building your dream home, or purchasing your vacation home. We will guide you every step of the way, making your home buying experience as stress-free as possible. 










First Time Home Buyer

Buying your first home is both exciting and stressful, but the mortgage lending team will be with you every step of the way. 

We know you want to do your research, so we've put together a few resources to get you started.

Schedule an appointment with one of mortgage team members.
 
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Fixed Rate Options

With a fixed rate mortgage, your monthly payments stay the same through the life of the loan. Fixed rate mortgages offer the consistency and peace of mind that if the market changes your rate does not. 

Fixed rate mortgages are good if you:
  • Plan to stay in your home for a number of years
  • Are concerned about interest rates rising over the next few years and want to keep your current rate
  • Prefer the stability of a monthly payment that does not change
 
 
 
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Adjustable Rate Options
The Adjustable Rate Mortgage, also known as an ARM, is a mortgage option that is great if you plan to relocate or pay off your mortgage in 10 years or less. Not sure if an adjustable rate mortgage is right for you? Our team of lending experts will guide and help you make the best decision based on your needs.
 
Adjustable rate mortgages are good if you:
  • Plan to move before the initial fixed period ends
  • Are looking for a lower monthly payment than a fixed rate mortgage sometimes offers
  • Are not concerned if rates increase
 
 
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VA Home Loan
Are you a veteran looking to purchase your dream home with no down payment? 
 
Our local mortgage lending team is ready to help you through your home buying process. 
  • No down payment
  • No PMI
  • Local VA Lending
  • Local VA Servicing 
 
 
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Mortgage Rates

Term Rate* APR Points Monthly Payment**
15 Year 5.875% 5.986% 0.000 $1464.96
20 Year 6.375% 6.465% 0.000 $1291.91
30 Year 6.375% 6.443% 0.000 $1091.77
 
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Rates effective 4/29/2025
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Private Mortgage Insurance (PMI) required for Fixed Rate Mortgage loans with a term greater than 15 years and less than 20% down. Additional rates and terms are available. Maximum loan amount at these rates is $806,500.00.

**Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price or value of $218,750 with loan amount of $175,000 and a minimum credit score of 740.
Term Rate* APR Points Monthly Payment***
3 year ARM** 5.750% 6.559% 0.00 $1021.80
5 year ARM** 5.750% 6.420% 0.00 $1021.80
7 year ARM** 6.000% 6.549% 0.000 $1049.81
10 year ARM** 6.125% 6.487% 0.000 $1063.93
 
 
Rates effective 4/29/2025
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Maximum loan amount at these rates is $806,500.00.
**Adjustment could occur after initial term. Published rate may be adjusted based on credit score and down payment. ARMs require 5% down payment with Private Mortgage Insurance (PMI), PMI is not required with greater than 10% down. Adjustment is based on an index of UST1YW (1-year Constant Maturity weekly average yield) plus margin of 2.75%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.
*** Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price or value of $218,750 with loan amount of $175,000 and a minimum credit score of 740 and an amortization term of 30 years. APR and payment amount may increase after consummation.
Term Rate* APR Points Monthly Payment**
5 year Fixed 4.490% 4.744% 0.000 $186.41
7 year Fixed 5.500% 5.689% 0.000 $143.73
10 year Fixed 6.125 % 6.265% 0.000 $111.68
 
 
Rates effective 4/29/2025
*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.

**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

Term Rate* APR Points Monthly Payment**
15 year 5.375% 5.537% 0.000 $1418.31
30 year 6.125% 6.224% 0.000 $1063.32

Rates effective 4/29/2025

Federal VA Loans are subject to Veterans’ Eligibility and Entitlement, limitations to loan amount may apply.   This is a no-down-payment loan option for qualified veterans, service members and their spouses.  Loans are subject to approval, VA Guarantee, and applicable funding fee. 

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Maximum loan amount at these rates is $806,500.00.  Additional rates and terms are available.

** Taxes and insurance are not included; therefore, the actual payment obligation will be greater. Displayed rates assume a first mortgage with a purchase price of $175,000 with loan amount of $175,000.

 (Loans are subject to an additional funding fee, which may be financed up to the maximum loan amount) and a minimum credit score of 740.