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Whether you are purchasing or refinancing your home, our expert Mortgage Team will help you find the right loan program for you.

Applying is as easy as 1, 2, 3!

  • Click button to create an account and get started
  • Complete loan application
  • Submit loan application and get pre-approved by the next business day!

Home Loan Types

Conventional Loan

A standard home mortgage for any qualifying borrower.

  • Choose a term, up to 30 years, that’s best for you
  • Down payment as low as 3%
  • No Prepayment penalties

If you have strong credit and little debt. Also, a great option if you can afford to make a larger down payment to avoid PMI.

Portfolio Loan

A flexible loan for members who don't fit a traditional mold.

  • Possibility of more creative solutions
  • One-on-one help from a dedicated mortgage expert.
  • No Prepayment penalties

If your credit score needs a little help or you have higher debt. Also, a good option if you are unable to provide certain documentation.

FHA Loan

A mortgage insured by the Federal Housing Administration.

  • Flexible application guidelines
  • More forgiving of past credit
  • Down payment likely to be lower than a Conventional Loan

For first-time homebuyers who may not have saved enough for a large down payment. Also, an option if you have suffered bankruptcy, foreclosure or other credit issues.

VA Loan

A mortgage guaranteed by the US Department of Veterans Affairs

  • No down payment
  • Low rates
  • Limited closing costs
  • No PMI

For servicemembers, veterans and eligible surviving spouses.

Hometown Heroes Mortgage

A special way to help out the people who help out our community.

  • 100% Financing
  • No PMI
  • $500 off closing costs
  • Purchases only
  • Excludes some mortgage loan types.

For the following eligible professions:

  • Educators
  • First Responders
  • Healthcare Workers
  • Military
  • Clergy


Government-backed mortgage for rural homebuyers.

  • Flexible down payment options
  • USDA credit qualifications are less rigid
  • Low rates

For low-to-moderate incomes who don't qualify for traditional mortgages and are able to meet specific geographic and income qualifications.

Let us help you!

Contact the Mortgage Team

937-859-6260 ext. 2302


Estimated Mortgage Payment

Use this simple loan calculator to estimate your monthly payments.

* Calculations are not a guarantee of credit