• Competitive rates and closing costs
• No Private Mortgage Insurance (PMI) Option
• 30-year fixed loans with stable monthly payments for easier long-term financial planning
• Federal Housing Agency (FHA) loans come with down payments as low as 3.5%
• VA loans feature 100% financing, limited closing costs and no private mortgage insurance (PMI), and are available to active duty military, veterans, reservists and some spouses
• USDA loans offer a range of financial advantages for those who want to live in rural areas or certain suburbs. There are some income limitations

Refinancing

^{An easy way to save money is to stay put and refinance your home with a lower rate.}

• Save on interest charges if rates have dropped
• Make loan adjustments based on an improved credit score
• Switch from an adjustable-rate mortgage to a more predictable fixed interest rate
• We will do a one-time rate modification with a lower rate and no closing costs.*

Home Equity Loans and Lines of Credit

^{The possibilities are endless.  Home equity funds are often used to consolidate debt, add rooms, upgrade a kitchen, or put in a pool. You don't have to just focus on remodeling. The money can be used for tuition, a vacation, launching a new business, or chase down another dream.}

• Choose between lump sum loans or revolving credit lines
• Competitive rates and closing costs
• Loan amounts depend on your home's equity - the difference between its market value and your current mortgage balance
• Easily access credit lines through online and mobile banking and at Five Star financial centers
  Home Equity funds are often used to pay down higher interest loans or credit card balances