Here's a fresh approach to building a home, a financing program that gives you the confidence of closing from the get-go--thanks to options like credit only1 approvals and one-year rate locks.2
Opportunity. It's the one word that best sums up who we are as a bank. By making timely and tactical decisions through the years, it's how we've grown into the respected and healthy financial institution we are today. More importantly, it's what we work every day to create and bring to the table for our clients. Opportunity. It's our shared bond. It's what carries both them and us forward.
Thanks for getting to know us better. We're glad you're here.
No applicant is required to submit documentation prior to receiving the estimate of fees and costs in order to obtain a loan. However, clients wanting to obtain an optional credit-only approval will need to submit an application for a purchase loan and undergo a comprehensive analysis of creditworthiness. The analysis is based on verification of information used to qualify the applicant for the loan and full credit processing and underwriting prior to identification and valuation of a suitable property. Therefore, the analysis requires the submission of some documentation before disclosures can be issued. A credit-only approval is not a final loan approval. Until a property is identified and the rate is locked, the interest rate and other loan terms and conditions may change without notice. Applications must meet our lending standards at the time of final loan approval, including an acceptable appraisal.
The rate lock programs may not be available for all loan types or for all transactions. Fees and/or rate adjustments may apply depending on the rate lock program chosen. Please contact us for more details regarding terms and conditions.
Subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available in all states and for all loan amounts. Other restrictions and limitations may apply. The actual terms of the loan will depend upon the specific characteristics of the loan transaction, the applicant's credit history, and other financial circumstances that may apply.