We offer a variety of loans, along with competitive interest rates and expert advice to determine the best borrowing choice for your individual situation. We want to get to know you, so we can help you achieve your own homeownership goal, whether it is constructing a home, buying a new home or refinancing your current home.
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We've provided an overview of the most popular mortgage loans below to help you determine which type of loan might be best for your situation. But we're also ready to be with you every step of the way. Call us at 866-MINSTER and let us help you through the process.
Adjustable Rate Mortgages
Home Construction & Renovation Loans
Home Equity & Home Improvement Loans
Home Equity Line of Credit
Residential Lot Loan
Government Loans
1-4 Family Investment Property
Conventional Fixed Rate Mortgage
Designed for easy monthly budgeting. This option offers peace of mind that your principle and interest will not change over the term of the loan.
- Low, fixed monthly payments
- Interest rate never increases
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Adjustable Rate Mortgage (ARMs)
Lower initial interest rate and payments than other mortgage loans. The rates will adjust periodically with market conditions for remainder of loan term.
- Low initial payment
- Convenient, bi-monthly payment option
- Lower initial interest rate makes it easier to qualify for larger mortgage
Home Construction & Renovation Loans
Mortgage loan to finance the construction costs of a primary, single family property. When the construction is complete, the loan converts to an Adjustable Rate Mortgage (ARM) or can be refinanced into a Fixed Rate, Conventional Mortgage. Also available for major renovations to an existing property.
- Attractive interest rate
- Interest-only payment during construction phase
- After construction phase, loan converts to an Adjustable Rate Mortgage (ARM) or can be refinanced
Home Equity & Home Improvement Loans
Based on the amount of equity in your home, these loans are ideal for borrowers who have a specific need and wish to repay in regular monthly payments over an extended period of time.
- Fixed or variable interest rate option
- Fixed monthly payments
- Interest is generally tax deductible*
- Flexible repayment terms
- Payment protection - credit life & disability insurance are available
Home Equity Line of Credit
A flexible, revolving line of credit that allows you to borrow against the equity in your home in just the amounts that you need at the time you need it.
- Variable rate
- Convenient, special checks
- Credit line is automatically replenished as you repay the balance
- Payment protection - credit life & disability insurance are available
- Interest is generally tax deductible*
Residential Lot Loan
This loan is especially designed for the purchase of a residential lot. There are a variety of financing options available to accommodate your individual needs.
Government Loans
If you are interested in a FHA or VA loan, we do have alternatives available.
1-4 Family Investment Property
If you're interested in purchasing a property for investment purposes, we offer a variety of financing options to accommodate your specific needs.
*See tax advisor for specific rules concerning tax deductibility.
