Home Loans
No matter where you are on your home ownership journey, we're committed to supporting your unique plans with personalized guidance, local expertise, and tailored financing. When you are ready to discuss your options or apply, please call 409-988-1300 and ask to speak to a real estate loan officer.
Home Mortgage
Purchasing a new home is a big decision and financing that home involves a lot of detail. We have expert mortgage loan officers to help you sort through the paperwork and understand the fine print.
- Fixed rates
- Terms up to 30 years
- Low down payment requirements
- Loans for purchase of primary residences
| Please Call 409-988-1300 |
Home Equity
Tap into the equity you have established in your home to gain access to extra cash. Home equity loans can be used for bill consolidation, college tuition, home improvements, and much more.
- Borrow up to 80% of your home’s market value (less any outstanding liens)
- Borrowed funds are secured by the homestead
Real Estate Loans
| APR (as low as) | |
|---|---|
| Home Equity (1st lien 5 years and below) | Rate 5.75%, APR 5.75% |
| Home Equity (1st lien 7 years and below) | Rate 5.75%, APR 5.75% |
| Home Equity (1st lien 10 years and below) | Rate 5.75%, APR 5.75% |
| Home Equity (1st lien 15 years and below) | Rate 6.00%, APR 6.00% |
| Home Equity (1st lien 20 years and below) | Rate 6.25%, APR 6.25% |
| Home Equity (1st lien 30 years and below) | Rate 6.50%, APR 6.50% |
Home Improvement Loans
Whether you need to complete a major repair or tackle a much-needed renovation, we can help you afford a variety of home improvement projects.
Real Estate Loans
| APR (as low as) | |
|---|---|
| Home Improvement (up to 5 years) | Please Call 409-988-1300 |
| Home Improvement (up to 7 years) | Please Call 409-988-1300 |
| Home Improvement (up to 10 years) | Please Call 409-988-1300 |
| Home Improvement (up to 15 years) | Please Call 409-988-1300 |
| Improvements on Unimproved Land | Please Call 409-988-1300 |
Construction Loans
Be the mastermind behind the blueprints of your picture perfect home. With the right loan, you can build your dream home from the ground up.
| Please Call 409-988-1300 |
Land Loans
Purchase the land that will be the site of your future home. We provide convenient financing that will give you the resources you need to claim the perfect location.
Effective Date: Friday, April 26, 2024
| APR (as low as) | |
|---|---|
| Land (5 years and below) | Rate 5.75%, APR 7.0315% |
| Land (7 years and below) | Rate 5.75%, APR 6.6898% |
| Land (10 years and below) | Rate 6.25%, APR 6.9391% |
| Land (15 years; $30,000 and over) | Rate 6.50%, APR 6.9934% |
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $50,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs. APR indicates annual percentage rate. Monthly payment amount approximately $17.97 on $1,000 for 60 months at 3.00% APR. Taxes and Insurance are not included in the approximate monthly payment. Loans available to qualified members only. Rates subject to change at any time without notice.