find your way home
Mortgages
From 100% loan-to-value (LTV) financing for home buyers to investment property loans, our local team offers fair, flexible options and honest guidance to make the process easy and stress-free.
Let’s get you into your dream home
People don’t come to us just to borrow money – they come for a local partner they can rely on. Our team of experts is here to answer your questions and guide you through every step of the home buying process.
Explore our home loan options
Enjoy straightforward home financing with steady fixed interest rates and local decision-making. Plus, home buyers can get up to 100% LTV financing with no private mortgage insurance (PMI).
Conventional fixed-rate mortgage
Flexible terms available to meet your budget
Fixed rate for the life of the loan
Competitive rates with local underwriting
No discount points and no prepayment penalties
Low 1% origination fee
First-time homebuyer mortgage
No private mortgage insurance (PMI)
Primary residence purchases only
Free homeownership counseling from GreenPath
Flexible terms available to meet your budget
Have questions?
We have answers. Give us a call at 800-647-1689 or visit one of our branches. We’re here to help every step of the way.
More home loan options
For special homebuying goals, we can help. Our vacant land/lot loans are designed for purchasing land to build your home on, typically for sites up to one acre in Mississippi or Louisiana. Or, explore our options for buying rental property.
Vacant land/lot loan
Loans up to $150,000
Competitive rates and terms
Intended for future construction (not recreation)
85% LTV financing
No prepayment penalties
Low 1% origination fee
Investment property loan
Up to 80% LTV financing
Single-family residences and up to 4-unit properties
Local decisions, in-house underwriting
Already own a home?
We can help you make the most of your home, whether it’s tapping into your home equity, refinancing to get a lower rate or finding the best way to make home improvements.
Refinancing
Get a new mortgage to release equity, get a lower rate or change your loan type.
Home equity
Borrow from your home’s built-up equity with a fixed rate loan or flexible line of credit.
Home improvements
Planning some upgrades? Our Renovation & Repair HELOC could help fund it.
Homebuying help is here
Buying a home is a big milestone, and we’re here to help every step of the way. If you want to talk to our friendly team, just get in touch.
Mortgage words to know
Homebuying can feel like a secret language. Get to know these common words and abbreviations.
Private mortgage insurance (PMI)
Lender insurance that homebuyers may be required if you make a down payment of less than 20%. Our first-time homebuyer program is unique because you don’t have to pay PMI even if you have a small or no down payment.
Loan-to-value (LTV)
A percentage calculated by dividing the mortgage amount by the property value. So if your home is worth $200,000 and your mortgage is $150,000, you have a 75% LTV. Generally a lower LTV means lower interest rates.
Down payment
How much cash you put toward your home purchase.
Debt-to-income (DTI)
How much of your pay gets eaten up by debt. Divide your monthly loan payments by your pre-tax income to get your DTI. When calculating your budget, it’s best to keep your DTI under 43% (including mortgage payment).