Residential Mortgage Program

Residential Mortgage Program

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Buy or build the home of your dreams. We offer mortgages at competitively low rates that get you the funds you need to lay the foundation for your future. Our lending officers know Cherokee County — after all, we're in the neighborhood! Enjoy fast application processing and friendly service when you work with local lenders. Call or come by to apply today!

Benefits
  • Competitively low rates for home purchase, refinance, or construction
  • Partnership with All American Mortgage Corporation to offer our well-deserving members more options
  • Available for owner-occupants, second homes, and investors in rental units and for single family dwellings, 2 to 4 unit properties, townhomes, and condominiums
  • Repayment terms customized to fit your unique needs
  • A wide range of financing programs available:
  • Standard FNMA and FHLMC fixed and adjustable mortgages
  • VA Guaranteed Mortgages
  • FHA Insured Mortgages
  • Jumbo Mortgages
  • USDA Rural Lending Programs (for qualified borrowers and locations)
  • Reverse Mortgage Porgram (for seniors 62+)
  • Construction Loans with extended interest rate protection for up to 12 months and float-down options
  • Local loan advisors who know the neighborhood and real estate market
  • Free pre-approval for extra confidence at the negotiation table
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Easily apply for a loan online, 24/7
  • Detailed, attentive service from start to finish