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Whether you are purchasing or refinancing your home,
our expert Mortgage Team will help you find the right loan program for you.

Applying is as
easy as 1, 2, 3!

  • Click the button to create an account and get started.
  • Complete the loan application.
  • Submit the loan application and get pre-approved by the next business day.

CONVENTIONAL LOAN

A standard home mortgage for any qualifying borrower.

DETAILS

Choose a term, up to 30 years, that’s best for you

Down payment as low as 3%

No Prepayment penalties

BEST…

If you have strong credit and little debt. Also, a great option if you can afford to make a larger down payment to avoid PMI.

PORTFOLIO LOAN

A flexible loan for members who don't fit a traditional mold.

DETAILS

Possibility of more creative solutions

One-on-one help from a dedicated mortgage expert.

No Prepayment penalties

BEST…

If your credit score needs a little help or you have higher debt. Also, a good option if you are unable to provide certain documentation.

FHA LOAN

A mortgage insured by the Federal Housing Administration.

DETAILS

Flexible application guidelines

More forgiving of past credit

Down payment likely to be lower than a Conventional Loan

BEST…

For first-time homebuyers who may not have saved enough for a large down payment. Also, an option if you have suffered bankruptcy, foreclosure or other credit issues.

VA LOAN

A mortgage guaranteed by the US Department of Veterans Affairs.

DETAILS

No down payment

Low rates

Limited closing costs

No PMI

BEST…

For servicemembers, veterans and eligible surviving spouses.

HOMETOWN HEROES MORTGAGE

A special way to help out the people who help out our community.

DETAILS

100% Financing

No PMI

$500 off closing costs

Purchases only

Excludes some mortgage loan types.

BEST…

For the following eligible professions:

Educators

First Responders

Healthcare Workers

Military

Clergy

USDA Loan

Government-backed mortgage for rural homebuyers.

DETAILS

Flexible down payment options

USDA credit qualifications are less rigid

Low rates

BEST…

For low-to-moderate incomes who don't qualify for traditional mortgages and are able to meet specific geographic and income qualifications.

Let us help you!

Contact the Mortgage Team

937-859-6260 ext. 2302

Email

Estimated
Mortgage Payment

Use this simple loan calculator to
estimate your monthly payments.

* Calculations are not a guarantee of credit