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Loan Programs
Mortgage Products
Program Name Term Description
3/1 Adjustable Rate Mortgage 360 months or less 3/1 Adjustablee Rate Mortgage (ARM). Indexed to the one-year U.S. T-bill.
5/1 Adjustable Rate Mortgage 360 months or less 5/1 Adjustablee Rate Mortgage (ARM). Indexed to the one-year U.S. T-bill.
7/1 Adjustable Rate Mortgage 360 months or less 7/1 Adjustablee Rate Mortgage (ARM). Indexed to the one-year U.S. T-bill.
Five (5) year balloon, with monthly payments 360 months or less Five (5) year balloon. Renewable at Maturity, with new underwriting.
15 year fixed-rate mortgage 180 months To purchase or refinance owner-occupied residential property.
30 year fixed-rate mortgage 360 months To purchase or refinance owner-occupied residential property.
Home Contruction Loan Six (6) months or less Home Construction loan.  Renewable
Vacant Land Loan 240 months or less To purchase or refinance vacant and /or recreational property.
Housing & Urban Development (HUD) Section 184 Home Loans 360 months A home loan guarantee program specifically designed for American Indian applicants. Can be used for construction, rehabilitation, refinance or purchase.
Veteran Affairs (VA) Home Loan 360 months A home loan program, specifically designed for Veterans.
Jumbo Fixed-Rate Home Mortgage 360 months Higher balance (>$417,000.00) fixed -rate home mortgage.
USDA/Rural Housing 360 months Direct loans or loan guarantees to help low and moderate-income borrowers buy safe, affordable housing in rural areas.

 

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