We Make It Easy to Buy or Refinance Your Home

With mortgage rates at historic lows, this is a great time to buy a home or refinance your current mortgage. We are offering competitive, fixed rate, customized loans.

You'll find our Mortgage Center at two convenient locations. Karen Bramlett has her office at 420 Oil Well Rd. (410-8009), and Joan Hadden and Pamela Byrum are at 558 Carriage House (660-8099).

If you are thinking about buying a home or refinancing your current mortgage, we're here to help with expert advice and long-term, fixed rate mortgages, along with other loan products. Refinancing or buying a home is a major investment. To help you with your decision, go through the information in our Online Mortgage Home Center below.

• Types of loans: We offer several types of mortgage loans.

• How to get a loan: We make it easy...

• Mortgage Checklist: This information is usually required during the loan process.

• Mortgage Pre-Approval Application: You can use our online form to start your mortgage loan process.

• How much home is right for you? Take our Home BuyAbility Test.

• Is Refinancing Right For You? Find out here…

• Mortgage Calculator: Once you know approximately how much home is in your price range, use our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.

• Mortgage Payoff Calculator: Figure out how extra payments to your monthly mortgage will help you pay off your loan faster.

• Bi-weekly Payment Calculator: Find out how you can pay off your mortgage faster by splitting your payments into biweekly payments.

• Home Purchase Basics: Learn the roles of your real estate agent, your loan officer and yourself when buying a home.

• 15-Year Mortgage Loan Rate Table

• 30-Year Mortgage Loan Rate Table