Primary residence, second home or
investment properties

Minimum down payment: 10.1% to 20%, 25% for investment properties
Interest rate: fixed or 5/1 & 7/1 Adjustment
Rate Mortgages (ARMs)
Loan term: 30 year or less
Maximum loan amount: $510,400
Mortgage insurance not required

TLC mortgage

Minimum down payment: 10.1%
Interest rate: 7/1 ARM
Loan term: 30 year or less
Maximum loan amount: $510,400
Up to $35,000 cash out for renovations
Mortgage insurance not required

Jumbo mortgage

Primary residence or year round second home
Down payment options vary based on occupancy and maximum loan amount.
Interest rate: fixed or 5/1 & 7/1 ARMs
Loan term: 10, 15 or 30 year
Loan amount: over $510,400

Construction loan

Primary residence or year round second home
Down payment options vary based on occupancy and maximum loan amount
Interest rate: 5/1 ARM
Loan term: 30 year
One closing
Property inspections completed by lender
Mortgage insurance not required
Green construction program available

Land loan

Minimum down payment: 35% for unimproved land, 25% for improved land
Interest rate: fixed
Loan term: 5 year balloon with a 15 year amortization

Seasonal second home

Minimum down payment: 20%
Interest rate: fixed or 5/1 & 7/1 ARMs
Loan term: 15 or 30 year
Maximum loan amount: $510,400

Seasonal camp

Minimum down payment: 25%
Interest rate: 1/1 ARM
Loan term: 20 year maximum

Mobile home primary residence

Minimum down payment: 20%
Interest rate: 5/1 ARM
Loan term: 20 year for owned land, 10 year for rented land
Remaining economic life of mobile home must exceed loan term by 5 years

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*Loan programs and terms are subject to change.