Mortgage Loans

You find the perfect home. We'll provide flawless financing.  


From cozy starter homes to classic Colonials to custom-built condos, our region is rich with  housing choices. Pick the place of your dreams, and then come to National Bank to seal the deal. We offer a menu of mortgage choices, a friendly lending team to guide you forward, and competitive rates that help make your new loan as sweet as your new home.
 
  • Flexible payment terms up to 30 years
  • Fixed-rate and adjustable-rate loans
  • Jumbo mortgages
  • Government-backed VA and FHA loan programs
  • Options available for manufactured homes on permanent foundation
These traditional mortgages let you lock in a loan rate so that you'll never have to worry about an increase in monthly housing payments.
 
  • Financing available for primary residence, second homes, and investment properties
  • Steady monthly payments help your long-term financial planning
  • Loan terms of 15, 20 or 30 years
  • Competitive closing costs
  • Refinancing options available
Often called ARMs, these increasingly popular loan options offer low interest rates for a set period of time - usually a few years.
 
  • Low initial rates mean reduced monthly payments
  • Use savings to remodel or furnish your home - or for other living expenses
  • After initial period ends, rates may be raised or lowered on a yearly basis
  • Loan caps limit how much rates can rise in one year and over the life of the loan
  • ARMs can be a good choice if you plan to move again before the introductory period ends or if you foresee your household income rising in the future  
Bigger homes or properties in upscale neighborhoods often require mortgages exceeding the conventional loan limit of $806,500. 
 
  • Primary and second homes only
  • 10% minimum down payment for primary residence
  • Financing available up to $3 million for primary residence
For nearly a century, this government-backed loan program has provided affordable loans to  first-time homebuyers and other borrowers with modest incomes.
 
  • Down payment as low as 3.5%
  • Credit flexibility for those with less-than-perfect credit scores
  • Gifts can be accepted for use of down payment
  • Deal directly with National Bank lenders and not a federal agency
  • Options available for manufactured homes on permanent foundation
  • Streamlined refinancing options
A grateful nation offers attractive mortgages to active duty military, veterans, reservists, and some military spouses.
 
  • 0% down for qualified borrowers
  • Limited closing costs
  • No private mortgage insurance required
  • Minimum credit score of 580
  • Veterans can use the VA loan program more than once in their lifetime
  • Options available for manufactured homes on permanent foundation
So you like country living? USDA loans are for borrowers who are purchasing homes in rural areas or certain suburbs.
 
  • 0% down payment available for qualified properties
  • 30-year, fixed-rate loans
  • Low monthly mortgage insurance
  • Closing cost can potentially be rolled into the loan amount 
  • Options available for manufactured homes on permanent foundation

Contact Lori Riddle today and let us help you find the right financing for your new home!