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As we continue to follow the course of the pandemic, please note that our banking locations will only be offering drive-up service, effective Monday, November 30, 2020. Please click here for the latest updates. Thank you in advance for your patience and understanding.

Click Here for information on the closing of our Overlook branch located at the Masonic Home in Charlton.

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Loan Services

Yes, we participate in the Guaranteed Rural Housing Loan Program. You do not have to be a first time homebuyer. For additional information regarding this program, contact us at 800-322-8233 or email us. Information is also available on the Rural Housing website.

A point is pre-paid interest and each point is equal to 1% of the amount you borrow. For instance, if you borrow $100,000 with one point, the point will be equal to $1,000. Generally, points are paid at closing. Paying points up-front normally allows you to obtain a lower interest rate.

This insurance protects lenders against loss due to foreclosure or loan default. Mortgage insurance is required on conventional loans with less than a 20% down payment.

In most cases your interest would be fully deductible; however, we recommend that you always consult with your tax advisor for advice pertaining to your individual circumstances.

Our mortgage experts would be more than happy to find the right mortgage for you! They can help you determine which option would be right for your financial goals. To see a list of these professionals click here.