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| Conventional |
| USDA/Rural Development |
| FHA |
| VA |
| Schedule F |
| New Construction |
| In-house |
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Conventional
Purchase or refinance your home with a 10, 15, 20, 25 or 30 year fixed rate mortgage.
Term: 30 years
Maximum Amount: $424,100
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- Conforming mortgages available with as little as 3% down for first time home buyers.
- Mortgage insurance is required if loan to value is greater than 80%.
- Fixed rates for Manufactured Homes available
- No prepayment penalty
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USDA/Rural Development
30 year fixed rate loan program with no down payment required for primary residence only.
Term: 30 years
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- Mortgage insurance required
- Minimum credit score 620
- Income limits apply
- Refinance of existing USDA loan possible
- No prepayment penalty
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FHA
Federal Housing Administration program making home loans affordable and accessible.
Term: 30 years
Maximum Amount: $275,665
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- 3.5% down payment on a purchase
- 97.75% max LTV on Rate-Term refinance
- Mortgage insurance required
- Minimum credit score 600
- Gifted funds allowed
- No prepayment penalty
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VA
We are proud to have the VA 100% home loan available for our service men and women.
Term: 30 years
Maximum Amount: $424,100
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- Prior Military Service required
- 100% LTV for purchase, rate-term refinance and cash-out refinance
- Minimum credit score 620
- 15 or 30 year fixed rate
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Schedule F
Long term fixed rate mortgage for homes on large acreages.
Term: 30 years
Maximum Amount: $600,000
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- 5-160 acres (larger acreages considered)
- 80% LTV for purchases, 75% LTV rate-term refi, and 60% LTV cash-out refi
- Schedule F on tax forms allowed but not required
- Primary residence only
- No mortgage insurance
- Minimum credit score 680
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New Construction
We offer short-term construction only loans as well as construction-to-permanent mortgages.
Term: 25 years
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- Construction only product is a fixed rate
- Construction-to-perm is an ARM after the first 5 years
- Max LTV 80%
- Minimum credit score 680
- May purchase or already own land
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In-house
In-house or Portfolio loans are funded and serviced by Metz Banking Company.
Term: 25 years
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- Manufactured homes allowed
- 3&1 ARM for longer terms
- Fixed rate available for shorter terms
- Max LTV 80%
- Flexible payment options
- No prepayment penalty
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $424,100 with closing costs of $8,482. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
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