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We understand that buying or refinancing a home is one of the biggest financial decisions that you’ll ever make. It’s a huge investment and needs to be properly handled. That’s where the mortgage professionals at Home Savings can help. From our highly qualified mortgage loan officers to the loan processing team, you can expect the highest level of personalized service throughout the entire process. Your loan officer will work with you to explore all the loan programs that best fit your needs, and take you step by step through the application. With our team approach to loan processing, we’ll make sure you understand everything and make sure you get the best experience possible.

Plus, mortgage rates are still low. Compare and save.

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Mortgage Rates

Conventional Fixed Rate Loans

Conventional Fixed Rate Loans

  • Various terms available
  • Programs with no Private Mortgage Insurance (PMI)
  • Complimentary pre-qualification
Adjustable Rate Mortgages (ARM)

Adjustable Rate Mortgages (ARM)

With an ARM, you could take advantage of a lower interest rate initially.  The interest rate changes at predetermined intervals based upon the Treasury index. The change in interest rate will also affect how much your monthly principal and interest payments will be.

  • Note rate may change annually after initial term of 3, 5 or 7 years
  • Monthly payment is lower in the early years of the mortgage
  • To minimize interest rate increases, ARM loans offer the protection of annual and lifetime rate caps
Community Mortgage Program

Community Mortgage Program

The Community Mortgage Program is a mortgage loan program for qualified individuals with low to moderate income.

  • Borrower minimum contribution: $500
  • Mortgage Insurance: Not Required
Jumbo Loans

Jumbo Loans

Jumbo loan programs start at $510,400 and offer financing on amounts exceeding the "conforming" loan limits. Jumbo loans are available as regular purchase loans, construction/permanent loans and for refinancing. 

FHA Loans

FHA Loans

The Federal Housing Authority (FHA) offers affordable mortgage loan options to qualified home buyers.  FHA loans are insured by this government agency.  There are some limits to loan amounts but they’re reasonable enough to accommodate most buyers.

  • Minimum down payment
  • Down payment and closing costs may be gifted
  • Seller may contribute towards buyer closing costs
VA Loans

VA Loans

The Veterans Administration (VA) is a mortgage loan program for individuals qualified by military service or other entitlements. VA Loans are backed by this government agency.  There are some limits to loan amounts but they’re reasonable enough to accommodate most buyers.

  • Zero down payment*
  • No private mortgage insurance (PMI) requirement
  • Easier credit qualifying
USDA Loans

USDA Loans

The U. S. Department of Agriculture (USDA) sponsors this mortgage loan program for development in rural areas.  Eligible borrowers* in rural areas can qualify for fully-financed mortgage loans.

  • No down payment required*
  • Not limited to first time home buyers
  • Flexible credit guidelines
  • Closing costs may be gifted
  • New or existing homes
  • No loan limits (with qualifying income)
Construction/Permanent Loans and Lot Loans

Construction/Permanent Loans and Lot Loans

Ready to build the home you’ve always wanted?  Turn to Home Savings for a low down payment, competitive rates and exemplary service from seasoned loan professionals.

  • One-time closing… your construction loan becomes your regular mortgage.  
  • Minimal down payment and low fees. 

We also offer lot loans for those who want to finance a land purchase for a future home.

Refinancing

Refinancing

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Whether you’re looking to reduce your monthly mortgage payment or term, or if you simply want to access the equity value of your home, Home Savings has a refinance mortgage solution for you.

Possible benefits of refinancing your home:

  • Lower your monthly payment
  • You may now qualify for a lower interest rate
  • Pay off your loan faster by reducing the term
  • Use your home’s equity to consolidate debt

Let us help you stay financially fit for life. Talk with a Trusted Advisor.

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Alternative Financing

Alternative Financing

For customers with unique needs and special circumstances, we offer a variety of mortgage options.  Contact a loan officer to discuss how Home Savings can help.

Mortgage Rates

Mortgage Rates

Today's Mortgage Rates

Here are the current rates for Purchase or Refinance Mortgage Loans.1

ProductRateAPR2Payment2Effective2
Purchase: 30-Year Fixed Rate 3.125% 3.1952% $706.823

5/22/2020

Purchase: 15-Year Fixed Rate 2.625% 2.7487%

$1,109.944

5/22/2020 

Refinance: 30-Year Fixed Rate 3.500% 3.5729% $740.923

5/22/2020

Refinance: 15-Year Fixed Rate 3.000% 3.1272%

$1,139.464

5/22/2020

1 Mortgage loan interest rates posted to this site are for informational purposes only and are subject to change without notice. Please contact one of our Loan Officers for the most updated and accurate information regarding our mortgage loan interest rates.
2 APR = Annual Percentage Rate. APRs shown may include discount points, for a $165,000 loan amount with 25% down payment and a minimum credit score of 740. Rates are subject to change without notice. Other rates and terms available. Additional terms and conditions apply. Property insurance required; flood insurance may be required. Must be single-family, owner-occupied residence. Payment examples do not includes amounts for taxes, homeowner's insurance or mortgage insurance. If tax and insurance amounts are added, the payment obligation will be greater.
3 360 monthly principal and interest payments.
4 180 monthly principal and interest payments.
*For a loan secured by the borrower’s principal dwelling where the amount of the loan exceeds the value of the dwelling, the interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible. Consult a tax advisor.

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