Mortgage Loans

Mutual Mortgage Loans

Mutual Mortgage Loans

As a community bank, we’re focused on the needs of the communities we serve and the people like you who live there. Our lending decisions are still made right here in town, by people who get to know you and your needs. In addition, we continue to work with you over the life of the loan. When you have a question or need information, help is as close as Mutual.

When you’re ready to buy, build, or refinance your home, you face a confusing array of choices. Our friendly loan officers take the time to work with you, and help you choose the financing that’s right for you and your needs.

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Conventional Mortgage Loans

Conventional Mortgage Loans

Fixed-rate Mortgages
With a fixed-rate mortgage, your rate stays the same over the entire life of the loan, making payments predictable. It’s the right choice if you want a steady payment or think rates are likely to increase. We offer a wide variety of terms, and buydown options are available on some loans.

Adjustable-rate Mortgages
An adjustable-rate mortgage typically allows you to get more home for your money, and may be the right choice if you expect your income to increase in coming years. You can choose from different terms.

Non-owner-occupied Mortgages
Thinking of buying income property? We have special loan programs for people who plan to rent out homes, doubles, or other investment properties.

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Other Home Financing

Other Home Financing Programs

Construction Loans
We offer a short-term note with a long-term commitment that simplifies the process of obtaining financing for the construction stage and permanent financing.

Rural Housing Loans
Interested in buying a home in a rural area? We have a special financing program available.

Smaller Down Payments
Can you make only a small down payment? We can arrange flexible mortgage plans with very small down payments.