We'll Get You Home
Legacy Bank offers some of the most competitive mortgage rates in the area and has many mortgage loan options tailored to meet the needs of you and your family.
Experienced Loan Professionals
Personalized Service
A Variety of Lending Options at Competitive Rates
What You Need to Get Started
Gather Documents
Documentation for all borrowers, including:
- Social security number
- Contact information
- Employment information
Gather Estimates
Best estimates for:
- Income
- Assets
- Liabilities
$500 Off Closing Costs
*Must be presented at time of application. Not valid on applications already in process/closing. Available for first mortgages on purchase and refinance transactions. Only for primary residence loans. Not valid with any other offers. All loans subject to credit approval. Loan Program restrictions may apply. Offer valid 09/23/24-12/21/24.
Loan Professionals Ready to Help
Our friendly staff is here to help you with all your mortgage needs. We will use our expertise to find the right home loan for you.
Home Loans
Legacy Bank offers some of the most competitive mortgage rates in the area. We have many loan options designed to meet your individual needs.
Fixed Rate
Maximum loan amount is $766,550
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
Adjustable Rate
Maximum loan amount is $766,550
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.
VA
Maximum loan amount is $766,550
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
Maximum loan amount is $498,257 for single-family dwellings
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.
Rural Development / USDA
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.
Residential Mortgage Rates
Note: scroll left and right to view full table.| Product | Rate** | Points | APR** |
|---|---|---|---|
| 30 YR. Fixed | Call For Rates | 0 | Call For Rates |
| 20 YR. Fixed | Call For Rates | 0 | Call For Rates |
| 15 YR. Fixed | Call For Rates | 0 | Call For Rates |
| 5/1 ARM | Call For Rates | 0 | Call For Rates |
| FHA 30 YR. Fixed | Call For Rates | 0 | Call For Rates |
| VA 30 YR. Fixed | Call For Rates | 0 | Call For Rates |
| USDA 30 YR. Fixed | Call For Rates | 0 | Call For Rates |
**Based on loan amount of $110,000 to $510,400 and a CREDIT SCORE OF 740 OR GREATER.
Please contact a representative for rate quotes on loan amounts under $110,000 and CONSTRUCTION loans. Rates apply to owner occupied purchase loans only, Conventional 80% LTV. Rates are based on a 45-day lock and are subject to change.
This is not a commitment to lend.
Legacy Bank is Ready to Help With All Your Lending Needs!
Contact one of the loan professional above or visit the nearest branch location.
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