Fixed Rate Real Estate Mortgages*
Fixed rate mortgages are loans that have a fixed interest rate over the life of the loan. With these loans, your monthly payment for interest and principal never changes and the amount you pay for items such as property taxes and insurance may change from year to year. If you want predictable payments over the life of your loan, the fixed rate mortgage may be the best option for you.

Adjustable Rate Real Estate Mortgages (ARM)*
Adjustable rate mortgages typically start at a lower interest rate (and lower payments) but interest rates and payments fluctuate depending on market interest rates. An ARM is adjusted on a regular basis. Increases are usually capped for each adjustment period and for the life of the loan.

Residential Investment Loans
An investment property loan finances real estate that generates income, such as an apartment building or a rental house.

Home Equity Loans and Lines of Credit
A home equity loan uses the equity in your home as collateral. Home equity loans may offer significant tax savings due to the fact that interest paid on this type of loan may be tax-deductible*. These loans are often used to consolidate debt or pay for large expenses such as college or a wedding.

A home equity line of credit (HELOC) is an open-ended loan, secured by the equity in your home. Interest paid on a HELOC may be tax deductible*. These loans are often used to consolidate debt or pay for large expenses such as automobiles or vacations.

*Consult your tax advisor regarding the deductibility of interest.

Commercial Lending
We offer commercial loans on investment real estate including rental apartments, multi-tenant retail plazas, professional offices, and multi-tenant office buildings.
Interest rates can be fixed or indexed adjustable rates. Indexes commonly used are the Constant Maturity Treasury (CMI) index of one to five years or the Wall Street Journal Prime - plus or minus a margin.
Monthly payment terms may be fully amortizing, interest only, or balloon. Loans are also available for purchase, refinance, and improvements.

Jumbo loans available up to $750,000.

New!
New and Used Car Loans - - with competitive rates and flexible terms!
Visit the N.A.D.A. Official Used Car Guide web site for new and used vehicle pricing information.