Personal Banking

Home Loans

Whether you've already located the home of your dreams, you"ve just started searching, or you are refinancing your current mortgage let us help educate you on your mortgage options. Our friendly and knowledgeable loan officers will walk you through our loan application process. They can explain the importance of understanding how points, APR, fixed or adjustable rates and length of the loan term are essential to getting the mortgage that is right for you and your budget.

If you need help with a down payment, our loan officers can discuss with you the possibility of purchasing Private Mortgage Insurance to get you into that home you're dreaming of.

We have been providing mortgages for the families in our community for over a century. Let us assist you in the process.

To help you figure out your estimated monthly principal and interest payment using this guide, follow these simple instructions:

1. Find the interest rate that applies to your loan in the vertical column along the left side of the chart. Example: 4.25%

2. Find the loan period in the horizontal row along the top of the chart. Example: 30 yrs 3. Find the number where your interest rate and loan period intersect on the chart. This is the Principal and Interest Factor. Example: 4.25% interest for 30 years = 4.92 P&I

4. Divide the loan amount you want to borrow by 1000. Example: $100,000 / 1,000 = $100.00

5. Multiply the divided total by the Principal and Interest Factor you found on the chart. This will be your monthly mortgage payment amount. Example: $100.00 x 4.92 P&I = $492.00 monthly

Mortgage Period

Interest %15 YRS20 YRS25 YRS30 YRS
3.50% 7.15 5.80 5.00 4.49
3.75% 7.27 5.93 5.14 4.63
4.00% 7.40 6.06 5.28 4.77
4.25% 7.52 6.19 5.42 4.92
4.50% 7.65 6.33 5.56 5.07
4.75% 7.78 6.46 5.70 5.22
5.00% 7.91 6.60 5.85 5.37
5.25% 8.04 6.74 5.99 5.52
5.50% 8.17 6.88 6.14 5.68
5.75% 8.30 7.02 6.29 5.84
6.00% 8.44 7.16 6.44 6.00
6.25% 8.57 7.31 6.60 6.16

What to Bring to Apply

Personal information
  • Your social security number
  • Approximate current balances of your checking and savings accounts
  • Your bank statements for the previous 3 months
  • Name and account number of all outstanding debt, including all charge accounts and credit cards
  • Name, address, and account number of current holder of mortgage, or landlord if renting
Income Information
  • Employer's name, address, and phone number
  • W2 forms and tax returns for previous two years
  • Year to date pay stubs
  • Proof of additional income you want to include in the qualifying process
Don't hesitate to call us or email us if you have questions about any of the mortgage process. We will be happy to sit down with you when it works for your schedule, even after our normal business hours.
Click here to download an application or financial statement.

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