We can assist you in purchasing your first home. Our programs for First Time Home Buyers can help you save money and to make the right decisions.

Second mortgages , more popularly known as home equity loans, provide a way for home owners to finance just about anything, from kitchen remodeling to college for your kids. A home equity loan gives you a fixed interest rate on a lump sum for a major expenditure – putting the equity in your home to work for you.

Equity loans are popular because the interest charges are tax-deductible, just as interest is deductible on first mortgages. Interest on other types of consumer debt, including auto loans and credit cards, cannot be used as a tax deduction. Consult our Tax Department to see how this loan could work for you.

Home Equity Loans or Seconds normally require an updated appraisal and closing costs as part of the loan package.