Which is right for you ?
Choose the home loan that is just right for you!
Live Large With A Landmark Home Loan
That's exactly what you can do with our new $695 Flat Fee Home Loans! The details of the program are:
- Low rates, terms up to 30 years
- Free pre-approval
- Loans serviced locally
- Single family, primary residence
- Fixed or adjustable rate
- Purchase or refinance
- Flat closing fee* of $695 waived for First-Time Home Buyers!
* An application fee of $495 is also charged. Example: Payments on a $150,000 home loan, at 4.990% with an APR of 5.060% after 20% down, would be $5.36 per $1,000 borrowed. Subject to credit approval. PMI required if equity is less than 20%. Not available on Construction Loans. Additional fees may apply for other Home Loan types.
The Basics
Fixed Rate Home Loans
Terms of up to 30 years.
Adjustable Rate Home Loans
Typically 1% to 3% lower than long term fixed rate home loans. Terms are 1, 3, or 5 years with payments based on 30 years. The rate can increase a maximum of 1% or 2% per year. Maximum total interest rate increases are limited to 6% above the original rate. For a nominal fee, you can convert to a fixed rate home loan at any time.
Lot Loans
Repayment plans can be arranged with terms up to 15 years.
Construction Loans
With our convenient one-closing construction loan, you can choose either an adjustable or fixed rate. This handy loan automatically converts to permanent financing when construction is completed.
Special Programs
First-Time Home Buyers Program
Save $695 in closing costs. First-time buyers are those who have not owned a home during the past three years (a non-refundable application fee of $495 and Checking Account are required.)
Jumbo Loan
For borrowers who can afford a larger home loan. Rates and terms vary with market conditions. Please call for current information.
