We provide home financing whether you are purchasing or refinancing.  We do residential financing only which covers properties with one to four units.  The property may be your primary residence, a vacation home or investment property.

We have elected to not provide interest rates on our website.  Mortgage rates can change without notice and often several times in one day.  We do not want to provide you with anything but current information.  For more information on the violatility of interest rates and what we do to secure competitive terms for our clients, please click on this link:  What You Need To Know When Shopping For A Mortgage

Fixed rate mortgages are available with terms of 10 up to 40 years.  Interest only payments are available.  Please call us to discuss if a fixed rate loan is the best option for you.  We will analyze your current situation and financing needs to design the best fixed rate product that will meet your specific financial objectives.

Many adjustable rate products are available.  They range from initial fixed rate periods of one month to ten years. Interest only payments are available on most adjustable rate products.  Terms vary among lenders.  It takes an experienced professional to research the wide array of options and narrow it down to the specific programs that fit your individual needs.  Please call us to discuss if an adjustable rate loan is the best product for you and, if so, which program offers the greatest finaicial benefit to you.

Balloon payment mortgages available have either a balloon payment due in five years or seven years.  Monthly payments and the interest rate is fixed.  The outstanding principal balance is due an payable on the balloon date.  Please contact us to discuss whether a balloon payment offers sufficient benefit to your specific situation to warrant the risk of a balloon payment.

Want to build a home?  We offer construction financing and can secure your permanent long term interest rate up front.  New home construction can be a long process with many details requiring attention throughout the term of building.  Construction financing is substantially more complex than financing to  purchase an existing property.  Our mortgage consultant, Leissa Gebert, has a strong background in construction financing.  Give her a call and she'll be happy to worlk you through the process.