Buy • Build • Refi

  • No Closing Costs1
  • No “junk” fees
  • Local decision-making and servicing
  • Purchase, refinance, construction, rehab

Adjustable Rate

Qualify for more mortgage. Lower initial rates fixed for 3, 5 or 10 years.

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Fixed Rate

Low fixed rate for the life of the loan. No point plans available.

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For loans over $453,100. Available in fixed and adjustable rates.

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Quick Pay

Pay off your loan fast with a great low rate. Second homes & condos ok*.

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Smart Option*

Bi-weekly payment reduces the term of your loan and provides significant finance charge savings with faster equity build-up.

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Land Loans

Multiple programs available. 30 Year Amortization. Free Rate Lock.

Rates & Terms


One closing with low closing costs. Interest rate lock-in at closing. Up to 90% Loan-To-Value (LTV)*. Interest only payments for up to 11 months. Several term and rate options available. Please contact one of our mortgage advisors at 401-729-4060 for a loan customized to your needs.