Primary residence and vacation and retirement home
Conventional Loans only (no FHA or VA)
Debt Ratios
The debt ratio, including the new payment should be around 28% of your combined gross monthly income. The housing expense/income ratio (principal and interest plus escrows) should not exceed 36% of your gross monthly income.
Our Pledge to YOU…
We put your needs first…
It is our business to understand your needs and expectations from the start.
We'll ask you what else we can do for you…
Providing options and alternatives for loan programs that meet your needs.
We'll make the home buying process easy…
You speak directly to the people who can approve your loan and we keep you informed.
When you need us, we'll respond…
We're available throughout the process.
We share the same goals…
The final loan decision is quick.
The best surprise is no surprise!
We provide a Good Faith Estimate to show you an estimate of your closing costs.
We address any remaining questions you have in a timely manner.
What makes us different?
Service
Taking a proactive approach, we walk you through the process, keep you informed and ensure your needs are met.
Relationship
Continuing to assist you with your mortgage servicing needs, we handle your escrow account, your taxes and insurances.
Low Interest Rates
Offering competitive products with generally below market rates.
In-house Underwriting
Your credit union makes the final credit decision.
