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.

Already start an application? Click here to resume Resume Mortgage Application
Buying a home

Our Mortgage Specialists

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).

Are you looking to prequalify for a mortgage?
Click here to contact one of our mortgage specialists to begin the process.


NMLS Originators

Click here to see our list of NMLS Originators.

Rates as of
All rates subject to change without notice.
30 Year - Fixed Rate

Scroll to the left to view the rest of the table.
Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take action
0 3.125 % 3.219 % $4.28 360 Schedule Appointment
1 3.000 % 3.173 % $4.22 360 Schedule Appointment
2 2.875 % 3.127 % $4.15 360 Schedule Appointment
20 Year - Fixed Rate
Scroll to the left to view the rest of the table.
Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.125 % 3.201 % $5.61 240 Schedule Appointment
1 3.000 % 3.188 % $5.55 240 Schedule Appointment
2 2.875 % 3.175 % $5.48 240 Schedule Appointment
15 Year - Fixed Rate
Scroll to the left to view the rest of the table.
Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.000 % 3.097 % $6.91
180 Schedule Appointment
1 2.875 % 3.117 % $6.85 180 Schedule Appointment
2 2.750 % 3.137 % $6.79 180 Schedule Appointment
12 Year - Fixed Rate
Scroll to the left to view the rest of the table.
Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.000 % 3.120 % $8.28
144 Schedule Appointment
10 Year - Fixed Rate
Scroll to the left to view the rest of the table.
Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.000 % 3.142 % $9.66 120 Schedule Appointment

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.

If applicable, Taxes and Insurance will increase Payments.

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 $510,400.

Biweekly payment plans are not available at this time.

Rates as of

All rates subject to change without notice.

If applicable, Taxes and Insurance  Will Increase Payments.

5/1 Year Adjustable Rate Mortgage with 0 Points


Scroll to the left to view the rest of the table.
Term Interest Rate Annual Percentage
Rate (APR)
Fully Indexed
Rate
Monthly Payment
per $1000 borrowed
during the first five years
Monthly Payment
per $1000 After
First Adjustment
Take Action
30 Yr. 3.000 % 3.135% 3.125% $4.22 $4.27

Schedule Appointment

If Applicable, Taxes and Insurance Will Increase Payments.

 

Margin 3.00%, Discount of .125%, 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 $510,400.

Biweekly payment plans are not available at this time.

Adjustable rate mortgages used an index of 0.17%.