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Homeland Financial offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide: Conventional, FHA, VA, USDA and special loan programs designed to help our customers acheive their dream of home ownership.
 
30-year Fixed Rate Loan
15-year Fixed Rate Loan
FHA Loan
Fixed Period ARMs
Interest Only Loans
Home Equity Line of Credit (HELOC)
Home Equity Loan (Fixed Second)
Construction Loan
Commercial Mortgages

30-year Fixed Rate Loan

Why select this loan type?

I want a fixed monthly payment that doesn't change during my loan period.

- or -

I believe interest rates will rise and I expect to stay in my house for more than 5 years. If you seek stability, this may be the best option for you.


15-year Fixed Rate Loan

Why select this loan type?

I want a fixed monthly payment that doesn't change during my loan period.

- or -

I want to pay off my mortgage in a shorter period of time than with a conventional 30-year mortgage.


FHA Loan

Why select this loan type?

I don't have enough money for a down payment.

Ideal for first-time buyers, these low down-payment mortgages can help you achieve homeownership with little down payment and flexible credit qualifying terms.

 


Fixed Period ARMs

Why select this type of loan?

I want to start with a low payment, or want to afford more home.

- or -

I know I will sell or refinance before the adjustable period begins.

 
  • Lower fixed rate (when compared with fixed rate loans) for 6-month, 1, 3, 5, 7 or 10 years
  • LTVs to 95% ; CLTV to 100%

  • Interest Only Loans

    Why select this type of loan?

    I want to minimize my monthly payments, and save cash for other purposes-debt reduction, investment, savings.

    - or -

    I want to afford the most home possible (by changing my debt to income ratio)

     
  • Lower monthly payments
  • Pay as much or little principal as you want

  • Home Equity Line of Credit (HELOC)

    Why select this type of loan?

  • Flexible access to funds
  • Potential tax advantages
  • You only draw what you need
  • You only pay interest on what you borrow


  • Home Equity Loan (Fixed Second)

    Why select this type of loan?

  • Predictable fixed payments
  • Possible tax advantages


  • Construction Loan

    Why select this type of loan?

    Perfect for borrowers who want to build their own home. Borrowers can obtain a short term construction loan and later convert it into a permanent loan as either a fixed rate or adjustable rate for a longer term.


    Commercial Mortgages

    Why select this type of loan?

    You have a business property or other income producing property that doesn't qualify as residential property.




    Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $424,100 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $359,650 with closing costs of $7,193. Jumbo Loans (whose maximum loan amount exceed $424,100 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.