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.

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What We Have To Offer:

Fixed Rate Mortgages

Adjustable Rate Mortgages

Refinance Options

Competitive Rates

Construction Loans

Prequalification


How To Get Started:

Buying A New Home

  Ready To Prequalify

Home Equity Line Of Credit

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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 July 26, 2017
All rates subject to change without notice.
30 Year - Fixed Rate

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Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.750 % 3.846 % $4.63 360 Apply Now
1 3.625 % 3.803 % $4.56 360 Apply Now
2 3.500 % 3.760 % $4.49 360 Apply Now
20 Year - Fixed Rate
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Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.50 % 3.575 % $5.80 240 Apply Now
1 3.375 % 3.563 % $5.74 240 Apply Now
2 3.250 % 3.552 % $5.67 240 Apply Now
15 Year - Fixed Rate
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Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 3.250 % 3.345 % $7.03 180 Apply Now
1 3.125 % 3.365 % $6.97 180 Apply Now
2 3.000 % 3.386 % $6.91 180 Apply Now
12 Year - Fixed Rate
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Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 2.875 % 2.987 % $8.22 144 Apply Now
10 Year - Fixed Rate
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Points Interest Rate APR Monthly
Payment/$1000
Monthly
Payments
Take Action
0 2.750 % 2.882 % $9.54 120 Apply Now

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 $424,100.

Biweekly payment plans are not available at this time.

Rates as of July 26, 2017

All rates subject to change without notice.

5/1 Year Adjustable Rate Mortgage with 0 Points


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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
30 Yr. 2.875 % 4.286 % 5.000% $4.15 $5.19

If Applicable, Taxes and Insurance Will Increase Payments.

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Margin 3.75%, Discount of 2.125%, 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 $424,100.

Biweekly payment plans are not available at this time.

Adjustable rate mortgages used an index of 1.22%.