Mortgage Products

Fixed Rate Mortgage

A fixed rate mortgage from Hometown Bank can be set for 10, 15, 20 or 30 years. A fixed rate home loan is a good choice if you want to lock in an interest rate, if you would prefer to have the payment be predictable for the length of the loan, and/or you are planning on staying in the home longer than a few years.

Conforming loans, with balances of $726,200.00 or less
Established guidelines for credit, income and down payment

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Adjustable Rate Mortgage (ARM)

Interest rate that changes (up or down) based on the index
Payments may increase or decrease based on shifts in the index
Designed for short term goals
Exception based underwriting

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Construction Loan Program

Construction to permanent financing
Interest only payments during the construction period (up to 9 months)
Fixed or adjustable rate products available on term mortgage
One time closing

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Relief Refinance

Refinance loans only
Federal program designed to help homeowners who are owe more than their house is worth
Aims to provide homeowners with better loan terms, lower rate & payment
Must be current on mortgage payments

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