Home Loans

First Mortgages

The better you understand the home buying process, the more confident you will be in making the important decisions that will shape your home ownership experience.

Our partners at Savage Mortgage Services, LTD (NMLS# 127441) will be able to help you move into your new home or refinance your existing property quicker and easier than any other lender.


Variable Rate Home Equity Line Of Credit (HELOC)


Rates as low as 5.25%

A Home Equity Line of Credit allows you to leverage the equity of your home for a wide variety of reasons, from home renovations to college tuition and more. Borrow up to 80% of your home’s value¹.

  • Variable rate²

  • Must be located in our primary lending area

  • Maximum loan amount up to 80% Loan to Value



Fixed Rate Home Equity Loans


A fixed rate 2nd Mortgage loan is ideal for when you know exactly how much you want to borrow. You will receive your funds in a lump sum, with the convenience of a low, fixed rate and fixed payment amount. Borrow up to 80% of your home's value¹.

  • Must be located in our primary lending area

  • Fixed rate

  • Terms up to 144 months


1. We will loan up to 80% of the property's value based on a current appraisal amount, minus 1st mortgage balance. Consult your personal tax advisor for tax-deductibility. All loans subject to approval. Rates and terms may change at any time and vary based on creditworthiness, qualifications, and collateral conditions.

2. The line of credit has a variable-rate feature, and the APR (Annual Percentage Rate) and the minimum monthly payment (or number of payments) can change as a result. The APR includes only interest and no other costs. The maximum APR that can apply is 18%. In no event will the APR be less than 3.25%. This APR (Annual Percentage Rate) will vary with the market based on Wall Street Journal Prime Rate. Ask us for the current index value, margin, and APR. Read the HELOC Program Disclosure here (PDF).