LOAN PROGRAMS

Learn more about the loan programs we offer.

HOME ONLY FINANCING

Single wide and double wide mobile homes are both allowed.
Minimum 5% down
600 minimum credit score

HOME ONLY PLUS

ZERO down with owned land
Tax statement for land value
No closing agent — PMI or title insurance required
Advance is same as “Home Only”; $4,000 per section for delivery.

LAND HOME

Construction loan
Combined land purchase/pay off with new home purchase
Minimum 5% down

VA LOAN 

100% LTV 
620 minimum credit score 
Modular & double wide manufactured homes are both acceptable.

FHA LOAN

 96.5% LTV 
620 minimum credit score 
Modular & double wide manufactured homes are both acceptable.

USDA LOAN

 100% LTV 
640 minimum credit score 
Modular & double wide manufactured homes are both acceptable.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT

To help the Federal government fight the funding of terrorist and money laundering activities, the Federal law now requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or applies for a loan.

WHAT THIS MEANS TO YOU

When you open an account or apply for a loan, we will ask for your legal name, address, date of birth and other information that will allow us or others to identify you. We will also ask to see your valid driver's license or other identifying document.

NOTICE

NOTICE TO ALL APPLICANTS: A Consumer Report may be requested in connection with this application for credit or any future update, renewal, or extension of such credit.  Upon request, you will be informed whether or not a consumer report was requested.  If a report was requested, you will be informed of the name and address of the consumer reporting agency that furnished the report.