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Today's Featured Rates
As of: May 25, 2013
| Interest Checking ($0 - $1,499) | 0.01% |
| Interest Checking ($1,500 - $4,999) | 0.01% |
| Interest Checking ($5,000 - $9,999) | 0.02% |
| Interest Checking ($10,000 +) | 0.03% |
| Maximum Money Market^ ($0 - $9,999) | 0.01% |
| Maximum Money Market^ ($9,999 - $99,999) | 0.05% |
| Maximum Money Market^ ($100,000+) | 0.11% |
Take Your Dreams To New Heights
Turning your dream of home ownership into reality is an important part of our commitment to full-service at Your Community Bank. More consumers are turning to Your Community Bank for a full range of home lending options.
Let’s face it, getting a mortgage loan can be a daunting, often confusing and time consuming process. Our staff brings years of experience from a bank that has remained local since 1934. Throughout the loan process you will always find a familiar face to welcome you home.
Mortgage Programs
- Fixed Rate Mortgages
- Adjustable Rate Mortgages
- Jumbo Mortgages
- FHA Mortgages
- VA Mortgages
- Construction to Permanent Mortgages
Fixed Rate Mortgages
Loan Features:
- No principal and interest payment changes during the loan life
- Loan terms to meet every need
You would want to consider fixed rate mortgages when:
- You plan to be in the home for a long time
- You do not anticipate increasing income
- You want the security of an unchanging principal & interest payment
- Rising interest rate environment
Adjustable Rate Mortgages
Loan Features:
- Lower initial payment and interest rate
- Loan terms to meet every need
You would want to consider adjustable rate mortgages when:
- You plan to be in the home for 5 years or less
- You require a lower initial payment
- Declining or stable interest rate environment
Jumbo Mortgages
Loan Features:
- Fixed and adjustable rate loans available
- Interest only payment options
You would want to consider jumbo mortgages when:
- Loan amounts required exceed $417,000
FHA Mortgages
Loan Features:
- Small down payment requirements
- Fixed rate or adjustable rate mortgages
Your would want to consider FHA mortgages when:
- You are a first time homebuyer
- Have limited savings or gift funds for down payment
VA Mortgages
Loan Features:
- Fixed interest rate and payment
You would want to consider VA mortgages when:
- You are a military veteran
- Purchasing primary residence
Construction to Permanent Mortgages
Loan Features:
- Fixed rate or adjustable mortgages
- Jumbo loan amounts available
- One time closing for the construction loan and the modification to permanent financing upon completion, saving thousands in closing costs
- Interest only payments during construction
You would want to consider construction to permanent mortgages when:
- You are planning to build a new home
