Mortgages

Whether you’re purchasing your first home, your next home, or starting some home improvements we can help you with a range of flexible mortgage and lending options.

(HELOC) Home Equity Line of Credit

  • Wall Street Prime Rate* plus 0.25% margin
  • Flexible access, low monthly payments and no closing cost!
  • 5 year draw, 10 year repayment period (borrow up to 80% of the home’s value)
  • 10 year draw, 15 year repayment period (borrow up to 75% of the home’s value)
  • $20,000 minimum
  • Access with regular checks
  • Click here to learn more! (Spanish version)

*Disclosure

Home Equity Loans in Second Lien Position

  • Fixed interest rate, term and monthly payment for the life of the loan
  • Lump sum disbursement
  • Borrow up to 80% of your property value
  • 5, 10, and 15 year terms available
  • Loan interest is tax deductible in most cases when funds are used for home improvement
  • $20,000 minimum

Home Equity Loans in First Lien Position

  • Competitive interest rates
  • 10, 15, 20, and 30 year terms available
  • Low closing costs
  • Cash out options available

Second Home/Vacation Homes

  • Fixed or Home Equity Line Options
  • Borrow up to 80% of your property value.
  • 10, 15, 20 and 30 year terms available.
  • $20,000 minimum
  • Call for customized rate option.

*Wall Street Prime Rate as of 12/15/22 = 7.50%

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