expert lending solutions to help get you home

Prequalify for Buying Confidence

Your dream home won’t wait – and neither should you. Get prequalified for your home loan and buy with confidence.

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Choose the Perfect Loan for Your Home

The right loan, the right team, and the support you deserve—every step of the way. Your dream home is closer than you think. Let’s go get it.

Conventional Loans

Interest rates as low as

5.625%

APR as low as 5.801%*

A traditional financing option with options for both fixed or adjustable principal and interest payments for the term of the home loan.

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Loan Details

  • 10, 15, 20 or 30-year terms (fixed)2
  • 3-5% minimum down payment
  • Adjustable and fixed rate options

FHA, VA, USDA Loans

Interest rates as low as

5.875%

APR as low as 6.681%*

Government-insured home loans for veterans, lower-income buyers, or those who may not qualify for conventional financing.  

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Loan Details

  • 30 or 15-year terms (fixed)
  • 3.5% minimum down payment3
  • Great choice for veterans 

First-Time Home Buyers

Interest rates as low as

6.125%

APR as low as 6.928%*

A home loan with a low-to-no-down payment option for qualified first-time homebuyers. The perfect loan for your first home.

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Loan Details

  • Perfect for first-time buyers
  • 30-year terms (adjustable)
  • 0-1% minimum down payment

Community Hero

Interest rates as low as

6.125%

APR as low as 6.709%*

A home loan with a low-to-no-down payment for first-responders, health care workers, educators, or military personnel.

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Loan Details

  • Perfect for our community heroes
  • 30-year terms (adjustable)
  • 0-1% minimum down payment

Construction Loans

Interest rates as low as

6.875%

APR as low as 18.624%*

A loan to build your home that transitions from a line of credit to permanent financing. We can fund you from the ground up.

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Loan Details

  • 12 months interest-only line of credit
  • Down payment is variable based on existing equity
  • Fixed and variable rate options

Land Loans

Interest rates as low as

6.250%

APR as low as 6.319%*

Invest in land for residential, agricultural, or mixed-use purposes, and amortize it for up to 30 years with our land loan!

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Loan Details

  • 30, 20, 15, or 10-year term (adjustable)
  • Down payment as low as 10%*
  • Competitive rates
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Refinance at the Right Time

Lower your rate, change your terms, or free up equity. Refinancing can give you room to grow.

Mortgage Calculator

Determine your monthly mortgage payments based on loan amount and terms.

Mortgage Summary

Loan Amount: $0.00
Monthly Payment: $0.00
Principal & Interest: $0.00
Property Tax: $0.00
Home Insurance: $0.00
PMI: $0.00
Total Interest: $0.00
Total Cost: $0.00

Disclaimer: These results are estimates for comparison purposes only. Actual mortgage terms and rates may vary based on credit qualification and other factors.

Meet Our Lenders

Ask us about residential, commercial, land, and construction lending.
Wherever the road takes you, our lenders are here to lend a helping hand.

Central Region

Lisa Wolken Headshot
Lisa Wolken
VP of Loan Originations
NMLS#673312

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Mark Kalaf headshot
Mark Kalaf
Mortgage Loan Originator
NMLS #2491142

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McKenzie Daly
Mortgage Loan Originator
NMLS #2663593

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Katherine Roberts
Mortgage Loan Originator
NMLS#303464

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Cory Kliethermes
Mortgage Loan Originator
NMLS #269682

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Brandon Barns Headshot
Brandon Barnes
Director of Real Estate
Sales & Strategy
NMLS #2049079

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Southern Region

Reba Whitley Headshot
Reba Whitley
Mortgage Loan Originator
NMLS #2118954

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Lucas Chainey Headshot
Lucas Chainey
Mortgage Loan Originator
NMLS# 2373224

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Frequently Asked Questions

Getting prequalified or preapproved for a mortgage comes with big benefits. First, you’ll know exactly what you can comfortably afford, making your home search more focused. Second, preapproval can give you a competitive edge when it’s time to make an offer. 

How much you should save for a down payment depends on the type of loan you choose, your financial situation, and your goals.
 
Many people aim for 20% of the home’s purchase price because it can help you avoid paying private mortgage insurance (PMI) and may get you better loan terms. But you don’t always need that much—some conventional loans require as little as 3–5% down, and FHA loans can go as low as 3.5%. VA and USDA loans may not require a down payment at all if you qualify. 

When deciding how much to save, think about how the down payment will affect your monthly payment, interest costs, and savings cushion after closing. You want to be prepared for not just the purchase, but also the ongoing costs of homeownership like maintenance, repairs, and property taxes. 

When figuring out how much home you can comfortably afford, look at the full picture. Start with your income, monthly expenses, savings, potential down payment, current interest rates, and home prices.

Just as important, consider what you feel comfortable paying each month. Factor in not only your mortgage but also everyday costs like transportation, groceries, utilities, entertainment, and clothing. Write it all down, compare what’s coming in to what’s going out, and see where you stand.

Our Mortgage Calculator can help you get a clear estimate of what’s within reach. 

PMI, or private mortgage insurance, applies to conventional loans and protects the lender if you stop making payments and default. It typically costs around 1% of your loan balance each year and is added to your monthly mortgage payment. Once your balance drops to 80% of the original loan amount, you can ask your lender to remove it.

Your credit score is a key factor in whether you qualify for a loan, the type of loan you can get, and the interest rate you’ll pay. Lenders use it to gauge risk—higher scores often mean better rates, but you can still get approved for a mortgage even if your score isn’t perfect.

Before applying, review your credit report to ensure everything is correct. If you spot errors, address them right away—fixing issues can take time. Work with the credit bureaus, provide any needed documentation, and focus on improving your score by paying bills on time and keeping your accounts in good standing.

Fixed-rate loans provide peace-of-mind from knowing your rate is locked in for your entire 15-year or 30-year term – your monthly payment won't change. Adjustable-rate mortgages (ARM) have lower payments in the beginning so you can take care of other necessary expenses, like furniture for your new home. 

When you apply for a mortgage, your lender will need several documents to verify your finances. Be ready with at least three months of pay stubs, W-2s, tax returns, bank statements, and any investment or brokerage account information. Your lender will give you a full list so you can gather everything in advance. Sending documents promptly helps keep the process moving smoothly. 

Your debt-to-income ratio (DTI) measures how much of your gross monthly income goes toward monthly debts—like your estimated mortgage, credit cards, student loans, and car payments. To calculate it, divide your total monthly debt payments by your gross monthly income, then convert it to a percentage.

Most lenders prefer a DTI of 43% or lower, though some loan programs allow higher ratios. Your lender can help you figure out your DTI and explore which loan options fit your situation. 

Ask Us About a Home Lending Product

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All rates, terms, and product features are subject to change at any time and are subject to credit approval. 
*APR = Annual Percentage Rate. Rates are based on several factors including credit history, loan to value and loan term and may be different than the rates displayed. Rate listed above assumes, excellent credit, and a loan amount of $200,000 on a primary residence home with a purchase price of $250,000 and closing costs contributing to APR of $1959.
**First-time Homebuyer and Community Hero estimated rates are based on assumption of excellent credit history, and loan amount of $200,000 on a primary residence with a purchase price of $202,020 and closing costs contributing to APR of $3106.07.
2Available for primary residence, second home, investment properties, and raw land. 
3Federal Housing Administration (FHA) loans require a minimum of 3.5% down payment and are subject to an up-front mortgage insurance premium of 1.75% of the loan amount in addition to a monthly mortgage insurance premium. Monthly premiums amounts vary based on loan term and loan-to-value. Must be for primary residence.