New homeowners with keys in handNew homeowners with keys in hand

Buy a Home

Dreams are meant to come true

You want to buy a home.

We’ll bring the financial assistance and lending solutions to help you step forward confidently. Here’s how it works.

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    Prequalify for your loan

    First step, apply for a loan with us and get prequalified. This will help you set your price point and show sellers you’re serious.

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    Start shopping

    Next, start searching for your dream home. When you find one you like, work with your real estate agent to make an offer.

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    Choose your mortgage

    We offer a few different mortgage loan options to choose from. Don’t worry, we’ll help you select the right fit.

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    Close the sale and move in

    Ready to get the keys? Our Mortgage Specialists look forward to that moment almost as much as you do.

We’ve got options for you.

  • Best if you want:

    Best if you want:

  • Terms

    Terms

  • Rates

    Rates

Fixed- & Adjustable-Rate Conforming Loans

  • Best if you want:

    The most popular loan type - a conventional mortgage that conforms to the requirements of Fannie Mae and Freddie Mac and allows as little as 3% down when purchasing your first home

  • Terms

    Up to 30 years

  • Rates

Fixed- & Adjustable-Rate Jumbo Loans

FHA

  • Best if you want:

    A super-low down payment and flexible credit score requirements to buy or refinance your first home

  • Terms

    15 or 30 years

  • Rates

VA Loans

  • Best if you want:

    Up to 100% financing and flexible qualification requirements for veterans, active duty service members and spouses to buy, refinance or repair a home

  • Terms

    Up to 30 years

  • Rates

USDA Loans

  • Best if you want:

    Up to 100% financing and flexible credit requirements for low-income borrowers to purchase or repair a home in a rural area

  • Terms

    Up to 38 years

  • Rates

Get to know your team.

You want the tools to transform your life. We’ve got the knowledge to see you through.

Shelly K. Duckart

Shelley K. Duckart

Sr. Mortgage Specialist

NMLS #604803
Office: 530.757.9473
Mobile: 530.681.3126

Learn more and contact

Let’s crunch some numbers.

*Interactive calculators are made available to you as self-help tools for your independent use. They are not intended to provide financial or investment advice and may not be applicable to your specific circumstances. All examples are hypothetical and are for illustrative purposes.

Ready to take the next step?

START AN APPLICATION TODAY
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Disclosures

Must meet membership and account criteria. All loans subject to credit approval and program guidelines. Rates, terms and conditions subject to change. Learn more about specific Annual Percentage (APRs), terms and estimated payments by calling us at 866.873.4968, or by clicking on the link for today’s rates and selecting the applicable loan details. Flood, hazard and other insurance may apply. Information and interactive calculators are made available to you as self-help tools for your independent use. They are not intended to provide financial or investment advice and may not be applicable to your specific circumstances. Payment example: Monthly payments of $2,648.11 for 360 months (30 years) at 5.00% for a $500,000.00 mortgage loan. Additional calculations may apply if you plan on having an escrow account for taxes and insurance. All examples are hypothetical and are for illustrative purposes.