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Unique Loans

If your needs don't fit within the framework of the more traditional loans, we have other options for you.

Lot Loan

Best Choice If:

You want:
  • To keep your payments low. This loan is amortized up to a 30 year term.
  • The stability of a fixed monthly payment for the first 36 months of the loan.
  • Advantages:

  • Initial fixed interest rate for the first 36 months.
  • The rate adjusts annually thereafter.
  • Disadvantages:

  • Maximum LTV is 80%.
  • Maximum acreage up to 10 acres.
  • Recreational Land Loan

    Best Choice If:

    You want:
  • To keep your payments low. This loan amortized up to 30 year term.
  • The stability of a fixed monthly payment for the first 36 months of the loan.
  • Advantages:

  • Initial fixed interest rate for the first 36 months.
  • The rate adjusts annually thereafter.
  • Disadvantages:

  • Maximum LTV is 80%.
  • Acreage is 10 to 180 acres.
  • Homexpress 10 Year Fixed

    Best Choice If:

  • You don't have many years left to pay on existing mortgage.
  • Have a low balance and want to take advantage of lower rates.
  • Advantages:

  • Low closing costs compared to full costs on 10 year fixed rate loan.
  • Fixed rate for entire term.
  • Disadvantages:

  • Maximum term is 10 years.
  • Maximum amount is $226,550.
  • Maximum LTV is 75%.
  • Payments can be substantially higher than 10 year fixed rate.
  • Not available on purchases.
  • 3/1 ARMEXPRESS-15 Year

    Best Choice If:

    You want:
  • A low closing cost.
  • A longer initial fixed period.
  • To keep your payments low.
  • The stability of a fixed monthly principal and interest payment for the first three years of the loan.
  • Advantages:

  • Initial fixed interest rate for three full years.
  • The rate adjusts annually thereafter.
  • Closing costs are only .50% of the loan amount or minimum of $175 (plus appraisal fee if needed).
  • Disadvantages:

  • Maximum LTV is 75%.
  • It's riskier if you don't expect your income to increase over the initial three-year period to cover the change in monthly payment.
  • Not available for purchases.
  • 3/1 ARMEXPRESS-30 Year

    Best Choice If:

    You want:
  • Low closing costs.
  • A longer initial fixed principal and interest period.
  • To keep your payments low.
  • The stability of a fixed monthly principal and interest payment for the first three years of the loan.
  • Advantages:

  • Initial fixed interest rate for three full years.
  • The rate adjusts annually thereafter.
  • Closing costs are only .50% of the loan amount or minimum of $175 (plus appraisal fee if needed).
  • Disadvantages:

  • Maximum LTV is 75%.
  • It's riskier if you don't expect your income to increase over the initial three-year period to cover the change in monthly payment.
  • Not available for purchases.
  • 5/1 ARMEXPRESS-30 Year

    Best Choice If:

    You want:
  • To keep your payments low.
  • The stability of a fixed monthly payment for the first 5 years of the loan.
  • Advantages:

  • Initial fixed interest rate for 5 years.
  • The rate adjusts annually thereafter.
  • Closing costs are only .50% of the loan amount or minimum of $175 (Plus appraisal fee if needed).
  • Disadvantages:

  • Maximum LTV is 75%.
  • It's riskier if you don't expect your income to increase over the initial 5 year period to cover the change in monthly payment.
  • 5/1 ARMEXPRESS-15 Year

    Best Choice If:

    You want:
  • A low closing cost.
  • To keep your payments low.
  • The stability of a fixed monthly payment for the first 5 years of the loan.
  • Advantages:

  • Initial fixed interest rate for 5 years.
  • The rate adjusts annually thereafter.
  • Closing costs are only .50% of the loan amount or minimum of $175 (plus appraisal fee if needed).
  • Disadvantages:

  • Maximum LTV is 75%.
  • It's riskier if you don't expect your income to increase over the initial 5 year period to cover the change in monthly payment.
  • Not available on purchases.
  • Cabin-30 Year 3/1 ARM

    Best Choice If:

    You want:
  • To purchase or refinance a cabin.
  • The stability of a fixed monthly payment for the first 36 months of the loan.
  • Advantages:

  • Initial fixed interest rate for 36 months.
  • The rate adjusts annually thereafter.
  • Allows for higher loan amount qualification and enhanced buying power.
  • Disadvantages:

  • Maximum LTV is 80%.
  • It's riskier if you don't expect your income to increase over the initial 36 month period to cover the change in monthly payment.
  • Mortgage Rates

    The Loan Consultant feature determines the products and rates that match your needs.

    Ready to Start?

    To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets.

    Apply