Mortgages

Ready to purchase or refinance?

Are you preparing to purchase your first home? Thinking about refinancing for a better rate? Maybe you’re looking to move to a larger or smaller house? Let us help you find the right loan to purchase the home of your dreams. We even offer a no-cost pre-approval to help discover how much you can afford and to make your purchase offer more appealing to sellers. We will give you the information you need to find the right mortgage solution to fit your needs.

Low Down Payment Programs

Flexible Payment Terms

No-cost Pre-Approval

START YOUR APPLICATION AND VIEW TODAY RATES

Need a Home Equity Loan?

If you are looking to pay off bills or do some much-needed home improvements, take a vacation or cover college expenses we can help! Use the equity in your home to reach your financial goals. Borrow up to 80% of your home’s value minus the existing mortgage. Contact a loan representative for more details.

Borrow between $25,000.00 and $100,000.00

10 year or 15-year terms

Fixed interest rates and payments

Here is a list of documents you and your co-borrowers may need to complete your mortgage application. Additional documents may also be needed later in the process.

Purchase Application Checklist

2 most recent pay stubs
2 most recent W2’s or 1099’s
Last 2 years full tax returns
Driver’s License
Bank Statements (2 most recent months)
Purchase Agreement (needed only when the application is finalized)

Refinance/Home Equity Application Checklist

2 most recent pay stubs
2 most recent W2’s or 1099’s
Last 2 years full tax returns
Driver’s License
Bank Statements (2 most recent months)
Current Home Owners Insurance policy
Current Mortgage Statement
Summer & Winter Tax Statements

If you are unable to provide one or more of the requested documents, please contact us at (586) 756 - 3300.

Important Information

If you have a current mortgage with us and your mortgage is escrowed, you will be receiving your annual escrow analysis in the mail. If you have a shortage or overage, your payment will increase or decrease. This is usually due to your taxes and/or insurance raising or lowering. If your overage is $50.00 or more, a check will be sent to you shortly after you receive your analysis. Shortgage payments cannot be made online, please mail us a check or contact us for more details at (586) 756 - 3300.