Mortgage Loans

We craft your mortgage loan down to the tiniest detail.

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As the Artisans of Banking, we’ve fine-tuned our digital experience make “in your hand” feel like “in our branch”, and now our Mortgage Team wants to make you feel at home, while you’re buying a home.

With competitive rates, low closing costs and less fees than other mortgage lenders, our experienced team of Mortgage Artisans is ready to craft your mortgage loan, down to the tiniest detail.

Apply now before rates increase!

Current offers:

For a limited time, get a 1% rate reduction on select conventional loans.**

Get up to a $3,000 closing credit* on new purchase mortgage loans.

If you’re looking to purchase a home, or refinance, our mortgage loan professionals can take your application online, by phone, or in-person.

What we made for you:

  • Earn up to $3,000 closing cost credit on purchases*
  • Great rates whether you’re buying or refinancing with us – view rates
  • In-house underwriting, processing, and servicing for confident, quick home buying process
  • Our experienced team of Mortgage Artisans will keep you updated throughout the process

Loan programs offered

The following is a partial list of programs offered

Jumbo Loans

This program is offered on a 30 year-fixed and ARM for loan amounts greater than $647,200. For rates and details on our jumbo loan offerings, please contact us.

Conventional Loans

Our conventional mortgage loans can be either fixed rate mortgages or adjustable rate mortgages. They usually require at least 3% down and offer competitive interest rates.

Federal Housing Administration (FHA) Loans

Backed by the government and open to all qualified homebuyers, FHA loans have limits, but they are generous enough to handle moderately-priced homes almost anywhere in the country. They allow low down payments and offer flexibility over many other types of financing.

Mortgage loan options include:

  • Conventional Loans
  • FHA Loans
  • Jumbo Loans
  • Portfolio Loans (including Non-Warrantable Condos)
  • 85% w/no MI Loans
  • 80/10/10 Purchase Money Loans
  • Fixed and Adjustable Terms

Mortgage calculators

Use our financial calculators to help make the right mortgage decisions.

Type Description
Prepayment Savings Making additional mortgage payments reduces your interest costs by shortening the time it takes to pay off your mortgage and lowering your balance along the way.
Tax Savings Calculate your yearly tax savings.
Early Payoff Find the additional payment required to pay off your loan early.
Refinance Break-Even Point Calculate the number of months to break-even if you refinance the loan.
Rent vs. Own Are you better off buying your home, or should you continue to rent?
Debt Consolidation Calculate the effect of combining other debt with your home mortgage. If you select Credit Card, Auto Loan, or Other but leave the interest rate blank, the calculator assumes a rate of 17.5%
Annual Percentage Rate Calculate the annual percentage rate for a loan.
Payment Amortization Calculate your monthly payment for fixed rate or adjustable rate loans.

**Premier Members will offer up to a 1% rate reduction below Fannie Mae pricing on all Conventional Conforming loans. Jumbo loans will continue to receive .125% discount off the Conventional Conforming Promo rate. Offer not available on FHA loans, Down payment assistance loans, or current PMCU internal Refinances. Offer good only on Primary Residence purchases and refinances. No non-occupying co-borrowers allowed. 1% discount point will be charged to be eligible for the 1% rate reduction, otherwise the rate will be discounted .5% below Fannie Mae pricing. Membership and Credit qualifications required. Other restrictions may apply. NMLS 416701.

*Premier Members will credit the borrower up to $3,000 against a conventional purchase mortgage loan or refinance. Down payment assistance programs excluded. Offer good only on borrower’s primary residence. Lender credit will be applied towards closing costs or prepaids. Not applicable on refinances of loans currently financed by PMCU. Closing cost credit may vary based on loan amount. Membership and credit qualifications required. Federally insured by the NCUA. Equal Housing Lender. NMLS 416701.