Residential Mortgage Lending: Choice Plus Personal Service

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Brian working with a Bank Client

Whether you’re a first-time home buyer or seeking to refinance or renovate your home, we offer a variety of home financing options to meet your individual needs. We offer fast, flexible and friendly service that you can’t find at a big bank. We service 99% of our mortgages, so you will be working with a bank you know, and people who know YOU, over the life of your loan.

Residential Mortgage Options

Below are the residential mortgage programs we offer. Each program has multiple options, and we have the flexibility to tailor your mortgage to best meet your needs.

Our process with every mortgage is to get to know your goals, preferences and situation and then offer you solutions that are the best fit for you.

Throughout the process, we provide guidance every step of the way. Our local decision-making allows us to expedite the closing process.

Conventional Financing
Adjustable Rate

Take advantage of today’s low interest rates with a mortgage rate that adjusts according to current market conditions.

  • 20% down payment
  • Adjustable interest rate
  • NO Personal Mortgage Insurance (PMI) required
  • NO early repayment penalties
Available options and terms may vary. Restrictions may apply. Applicants must meet all program guidelines and underwriting requirements.

Conventional Financing
Fixed Rate

Lock in a fixed interest rate over the life of your mortgage and enjoy predictable payments and a rate that won’t change no matter what the market does.

  • 20% down payment
  • Fixed interest rate
  • NO Personal Mortgage Insurance (PMI) required
  • NO early repayment penalties
Available options and terms may vary. Restrictions may apply. Applicants must meet all program guidelines and underwriting requirements.

Conventional Financing
Low Down Payment Options

Want conventional financing but don’t have a large down payment? Our Low Down Payment Conventional Financing Options may work for you.

  • Down payments as low as 10%
  • Fixed and adjustable rate options
  • NO Personal Mortgage Insurance (PMI) required
  • NO early repayment penalties
Available options and terms may vary. Restrictions may apply. Applicants must meet all program guidelines and underwriting requirements.

 

 

Need Help Choosing the Right Mortgage? Kelly Moran Can Help.

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Kelly Moran NMLS # 572698

Meet Kelly Moran, our Mortgage Loan Officer. Kelly knows all of the details about the many residential loan options available today– their terms, requirements, advantages, disadvantages and which situations they are best suited for.

Whether you are buying, refinancing or building a home, Kelly’s mission is to make your dream of home ownership a reality by tailoring your mortgage to best meet your needs. She knows all of the right questions to ask to help you determine which lending options will work best for your particular situation.

After speaking with you in depth about your circumstances and your goals, Kelly will explain each of your options in detail and answer any questions you have, so you understand your options and can make an informed choice. There’s never any pressure, just an honest desire to help.

Kelly’s goal is to help you make the right decision for yourself and your family. If you have any questions about mortgages, just ask and she will be happy to help you!

 

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