We'll Get You Home

Monthly principal and interest payments stay the same for the duration of the loan providing the homeowner with a predictable monthly payment for ease in budgeting. We offer a variety of loan terms, which allows you to pick the payment schedule that is right for you. Purchase and refinancing transactions are available for the following:

• Primary Residence
• Investment Properties
• Second Homes
• Vacation Homes

With an interest rate typically lower than that of a fixed rate mortgage, your initial payments are reduced. Following an initial fixed rate period, the interest rate can adjust annually up or down based on the movement of a specific index plus a margin. Monthly payments change as the rate changes annually.

Veterans of the armed services, active duty personnel and reservists, as well as their spouses may be eligible for a home loan. VA loans require no down payment, and can provide flexible qualifying guidelines.

FHA loans are insured by the Federal Housing Administration. The purpose of the FHA is to make housing more affordable for more home buyers. More lenient loan qualifications are provided in comparison to a conventional loan. Lower down payments and relaxed qualifying guidelines combine to make FHA loans ideal for first-time and low-to-moderate income home buyers.

Promoting self-sustaining, long-term economic and community development in rural areas, the USDA provides up to 100% financing with low annual fee to selected areas. Plan available through Legacy Bank.