Buying A New Home

What's more exciting than buying a new home? Not having to worry about getting the right mortgage. Making a purchase as large as a house can make anyone nervous, which is why we offer sound advice and a variety of mortgage options.

Our experienced Mortgage Team can help you find the most beneficial and appropriate mortgage for your financial situation and long-term goals. That way, you can focus on looking for the house you love, and be confident we’ll know how to finance it.

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Building A New Home

Lucky you, you're building a house! We can't help you choose the right color for the living room, but we can help you choose the right financing. Not only are we able to answer all of your mortgage questions, we can also help you with an affordable mortgage choice that makes the most financial sense for you.

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Refinancing

With competitive refinancing options, our Mortgage Team can help you understand all of your choices when it comes to refinancing. From changing the terms of your current mortgage, to securing a fixed rate, we have a team of lenders that's always available to help you.

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Home Equity Line of Credit

With a Home Equity Line of Credit (HELOC), you can use the equity in your home to pay for things like renovating your kitchen, college expenses, a new car, or your cousin's wedding in Hawaii. All you have to do is apply once, and then access the money you need, when you need it. You don't have to borrow the full amount, or reapply to use more of it. With this revolving line of credit you get competitive rates, flexible repayment options, and money when you need it. Check out our great introductory rate!

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Our Mortgage Team

We're always thinking about ways to make life easier for you when it comes to banking, and it's no exception when it comes to our Mortgage Team. With a team of mortgage specialists in every Florence Bank branch available to walk you through the process of finding the right combination of terms and product features, we will make sure you find a mortgage that meets your individual needs. All of our mortgage specialists are registered with the Nationwide Mortgage Licensing System (NMLS).

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Rates as of Thursday, November 20, 2014
All rates subject to change without notice.
30 Year - Fixed Rate

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Points Interest Rate APR Payment/$1000 Payments Take Action
0 3.990 % 4.034 % $4.77 360 Apply Now
1 3.875 % 4.002 % $4.70 360 Apply Now
2 3.750 % 3.960 % $4.63 360 Apply Now
20 Year - Fixed Rate
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Points Interest Rate APR Payment/$1000 Payments Take Action
0 3.625 % 3.685 % $5.86 240 Apply Now
1 3.500 % 3.674 % $5.80 240 Apply Now
2 3.375 % 3.664 % $5.74 240 Apply Now
15 Year - Fixed Rate
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Points Interest Rate APR Payment/$1000 Payments Take Action
0 3.125 % 3.201 % $6.97 180 Apply Now
1 3.000 % 3.221 % $6.91 180 Apply Now
2 2.875 % 3.242 % $6.85 180 Apply Now
12 Year - Fixed Rate
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Points Interest Rate APR Payment/$1000 Payments Take Action
0 3.000 % 3.093 % $8.28 144 Apply Now
10 Year - Fixed Rate
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Points Interest Rate APR Payment/$1000 Payments Take Action
0 2.990 % 3.101 % $9.65 120 Apply Now

Annual percentage rates (APRs) on all adjustable rate products may change after consummation of the loan, and may increase.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment.

Rates may vary based upon your credit profile, property type, or loan to value (LTV) percentage.

Private Mortgage Insurance (PMI) required if the down payment is less than 20%.

Homeowners insurance and flood insurance (if applicable) are required.

Maximum Loan Amount is $417,000.

Biweekly payment plans are not available at this time.

Adjustable rate mortgages used an index of 0.11.

Rates as of Thursday, November 20, 2014

All rates subject to change without notice.

5/1 Year Adjustable Rate Mortgage with 0 Points


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Term Interest Rate Annual Percentage
Rate (APR)
Fully Indexed
Rate
Monthly Payment
per $1000 borrowed
Monthly Payment
per $1000 After
First Adjustment
30 Yr. 3.250% 3.696% 3.875% $4.35 $4.65

Margin 3.75%, Discount of .625%, Caps 2% 6%

Maximum LTV 95% 5/1 Adjustable Rate is fixed for the first 5 years and will adjust annually after that.

If applicable, Taxes and Insurance will increase Payments.

Annual percentage rates (APRs) on all adjustable rate products may change after consummation of the loan, and may increase.

All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment.

Rates may vary based upon your credit profile, property type, or loan to value (LTV) percentage.

Private Mortgage Insurance (PMI) required if the down payment is less than 20%.

Homeowners insurance and flood insurance (if applicable) are required.

Maximum Loan Amount is $417,000..

Biweekly payment plans are not available at this time.

Adjustable rate mortgages used an index of 0.11.