Loan Products – Mortgage Loans

Home ownership is the American dream. We can make that dream come true for you with one of our many home mortgage plans.

Fixed Rate Mortgages
Our fixed rate mortgage plan is for individuals planning on owning their home for a long period of time. We can offer you the peace of mind of having a fixed interest rate and principal and interest payment.

• Home Savings offers varying fixed rate plans
• Interest rate is fixed for the duration of the loan
• You may borrow up to 95% of the purchase price

Contact any of our Offices for additional information.


Adjustable Rate Mortgages
An Adjustable Rate Mortgage (ARM) may be for you if you are looking for the lowest initial monthly payments possible, maximum loan amount and don’t plan to keep your home long. An ARM has an interest rate that may adjust periodically but provides you an interest rate cap to limit your rate increase.

Contact any of our Offices for additional information.


Construction Loans
Ready to build? We have the construction loan designed just for your needs. Our construction loan can save you money because funds are advanced, as you need them, therefore minimizing interest costs. We offer construction loans that are available with convenient and helpful terms that allow you to concentrate on the job at hand --- building your home!

Contact any of our Offices for additional information.