We’ve been helping people achieve the dream of homeownership for generations — and that continues to this day.

Rates

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
How much home can I afford?
  • Competitive interest rates for home purchases, refinances and construction
  • Mortgage loans available for primary residences, vacation homes, investment properties and more1
  • A variety of mortgage products and programs to fit your needs:
    • Fixed-rate Mortgage and Adjustable-rate Mortgage (ARM) options
    • USDA, FHA and VA Mortgage options
    • Jumbo Mortgage Loans
  • A variety of mortgage programs to fit your needs:
    • First-Time Homebuyer Program
    • Independence Mortgage Program
    • 100% Mortgage Financing Program
  • Helpful Mortgage Loan Originators to make the process quick and easy

Ratelock

With Ratelock, lock in your interest rate when prequalifying for most Family Trust mortgage loans.2

Learn More

Visit our Mortgages FAQ and read our First-Time Homebuyers Guide. 

1. To apply for a mortgage loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on the collateral, loan to value and mortgage loan product. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

2. Excludes VA, FHA and USDA loans. Good for 90 days from application.

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

The dream of homeownership is something we want all our members to experience. We also realize that no two members are the same. That's precisely why we offer a wide range of mortgage products to accommodate your needs.

Fixed-Rate Mortgages

A fixed-rate mortgage3 features an interest rate that remains the same throughout the life of the loan, which means your monthly principal and interest payment will not change. If you are able to contribute a down payment of 20% or more based on the Loan To Value (LTV) ratio, you may be able to avoid the added cost of private mortgage insurance (PMI) that will otherwise be added to your monthly mortgage payment until your LTV ratio is under 80%.

  • Choose from 10, 15, 20 and 30-year fixed-rate mortgage loans
  • Purchase with as little as 0% down with our 100% Mortgage Financing Program4

Adjustable-Rate Mortgages

An Adjustable-Rate Mortgage3 (ARM) may offer an initial lower Annual Percentage Rate (APR) and can be an excellent choice of financing for first-time homeowners or those who may not intend to stay in the home very long. After a specified period (1, 3, 5 or 7 years), the APR adjusts based on a preselected index plus a margin and is subject to periodic and life-of-loan interest rate caps and floors. 

The interest rate is fixed for the specified number of years selected, then becomes a mortgage with a variable rate, on the current market. For example, a 5/1 ARM, the rate is fixed for the first five years and could adjust every year after that.

  • Choose from 7/1, 5/1 and 3/1 adjustable rate mortgage loans
  • Purchase with as little as 0% down with our 100% Mortgage Financing Program4 

First-Time Homebuyers Program

Are you ready to buy your first home? See our First-Time Homebuyers Guide for a list of what you’ll need to apply for a mortgage loan3, how to get started, the smartest way through the home-buying process, frequently asked questions and list of common mortgage terms. 

100% Mortgage Financing

We know that saving for a down payment can be challenging, and we offer 100% financing. This means you may not have to put anything down to purchase.4 

Jumbo Loans

Several Jumbo Loan options are available for loans over $510,400. Please contact us for more information.5

3. To apply for a mortgage loan, you must be 18. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and mortgage product, and is subject to change. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

4. To apply for 100% financing, you must be 18 and have a credit score of at least 700. Qualification is based on creditworthiness, income and other underwriting factors. and is subject to approval. Rates and terms may vary depending on collateral, loan to value, and is subject to change. 100% mortgage financing is only offered for owner occupied residences, excluding non-warrantable condominiums and manufactured homes, and is only offered for fixed rate mortgage products or 5/1 and 7/1 ARMs. Maximum loan amount is $510,400. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

5.  To apply for a Jumbo Loan, you must be 18 and have a credit score of at least 720. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. Jumbo Loans are only offered for owner-occupied primary residences, excluding non-warrantable condominiums and manufactured homes, and are only offered for fixed rate mortgage products or 5/1 and 7/1 ARMs. Minimum loan amount is $510,400. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.  

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

Save time and money up front, and you could be mortgage-free by retirement. Refinance your first mortgage to a low, fixed rate home equity loan for 7, 10 or 15-years and enjoy the benefits that come with our Independence Mortgage6. No PMI required, and we’ll pay up to $600 in closing costs!7

Refinance with an Independence Mortgage:  

  1. Apply for a HELOC in digital banking
  2. Select “Fixed Home Equity” and complete application
  3. We’ll follow-up quickly 

6. To apply for an Independence Mortgage loan, you must be 18 to apply and have a credit score of at least 700. Qualification is based on creditworthiness, income and other underwriting factors, and is subject to approval. Rates and terms may vary depending on collateral, loan to value and is subject to change. Loan amount must be between $15,000 and $250,000 and must be refinancing the first mortgage of an owner-occupied primary residence, not to exceed 70% loan to value, excluding manufactured homes. Property insurance is required, and flood insurance is required where applicable. Closing costs such as attorney fees, insurance premiums, property taxes and appraisal fees may apply.

7. Family Trust will apply a $600 credit towards qualifying closing costs at the time of closing, and the loan must close in order to receive the $600 credit. Closing costs above the credit amount are the sole responsibility of the borrower. If refinancing a current Independence Mortgage, closing cost of up to $600 will only be paid if the mortgage being refinanced has existed for at least three years.  

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

USDA, FHA, & VA Mortgage Loan

We offer several government-insured mortgage loans that are designed for borrowers who have less down payment money saved or need more flexibility. The loans are guaranteed by the federal government and are subject to government and investor guidelines. The government provides mortgage insurance for these loans.

Features:

  • Flexible credit and income qualification guidelines
  • Down payment extremely low or not required

USDA Rural Development Guaranteed Loans

The USDA Rural Development’s Single-Family Housing Guaranteed Loan Program8 helps low to moderate income rural home buyers achieve their dream of homeownership.

Features:

  • Up to 100% financing — with as little as zero down payment for qualified borrowers
  • Affordable interest rates and flexible loan terms
  • Fixed-rate mortgage options
  • Available for stick-built homes within eligible rural areas, and applicants that have a household income that does not exceed the established limits where the home is located 

Apply Now

FHA Mortgage Loans

An FHA mortgage loan9 is a US Federal Housing Administration mortgage designed to help borrowers purchase a house with a smaller down payment or equity requirement.

Features:

  • Low minimum 3.5% down payment
  • Refinancing available with rate and terms up to 97.75%
  • Affordable interest rates and flexible loan terms
  • Fixed-rate mortgage options
  • Available for stick-built homes 

Apply Now

VA Loans

A VA or Veterans Administration mortgage loan 10 offers long-term financing to eligible American veterans by allowing financing with little or no down payment or equity.

Features:

  • Up to 100% financing — with as little as zero down payment for qualified borrowers
  • Affordable interest rates and flexible loan terms
  • Fixed-rate mortgage options
  • Available for stick-built homes
  • Save with no mortgage insurance requirements 

Apply Now

8. For requirements and eligibility, visit USDA Housing Program or contact us at 803-367-4100.

9. For requirements and eligibility, visit HUD FHA Resources or contact us at 803-367-4100. 

10. For requirements and eligibility, visit VA Home Loans or contact us at 803-367-4100. 

The SAFE Act requires a mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry and provide their Mortgage Loan Originator Identifier number to a consumer when engaging in a mortgage loan transaction. You may obtain information about the Mortgage Loan Originator by accessing the Nationwide Mortgage Licensing System and Registry.

NMLS Identifier Number: 493819

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