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Mortgage Loans

Shopping for a home loan has never been easier! After looking at houses with your realtor all day Saturday, you found the one!  Why wait until Monday when you can start the process by applying online all from the comfort of your home?  Visit our Mortgage Web Center to get started with your home loan application online! 

The Mortgage Web Center is more than an online application, you can check out rates, products and calculators too.  If you would rather sit down with a lender, no problem, we love to do that.  We promise that your lender will take the time to understand you and your specific situation. They will work hard to help you find the solution that is right for you.  Contact us today so we can help you live a better life.

FREE Pre-Approvals |  Meet our Lenders

Fixed Rate Mortgage Loans  |  Apply Now 
Fixed Rate Mortgage Loans feature a competitive rate and payments that are fixed for the entire term of the loan. Fixed rate loans also offer:

  • Conventional, FHA, VA and USDA financing
  • Insured financing for smaller down payments

Adjustable Rate Mortgage Loans (ARMs)  |  
Adjustable Rate Mortgage Loans feature rates and payments that adjust according to market
conditions. Additional features include:

  • A range of adjustment terms
  • Competitive rates for a variety of terms
  • Lifetime interest rate caps and annual rate adjustment

Construction Loans  |  
Construction Loans are designed to finance the construction of a new home. Features include:

  • Interest payments only on the funds used during the construction period 
  • Automatic conversion to permanent mortgage without a second loan closing
  • Available as a fixed rate or adjustable rate loan

Home Equity/Line of Credit |  Apply Now
As a homeowner, you can borrow against your equity for any worthwhile purpose. Our Home Equity Loans are available as a fixed payment installment loan or as a line of credit. Consult a tax advisor regarding the deductibility of interest.

  • Conventional home loans
  • Insured loans with low down payment
  • Repayment terms from 5-30 years

Insurance Information
Find your latest insurance information posted on http://www.myinsuranceinfo.com.

Flexible Options   
We offer many down payment options along with a variety of loans, such as ...

  • Loans for investment and rental properties
  • Loans for vacation homes
  • Loans for condominiums
  • Loans for manufactured homes
  • Lot loans for future construction

 

View the Mortgage Checklist.

Mutual News
  • Heartbleed Details

    The OpenSSL Heartbleed vulnerability has been in the news...

    Tuesday, April 15, 2014

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Mutual Blog

Personal Banking Security Measures for the 21st Century

clientuploads/21st-Century-Securitysquare180.pngMany of us are constantly connected to the online world these days. This means that the potential is there for our computers and personal information to be compromised which greatly increases the risk of ID theft and financial fraud to occur. However, by taking some basic precautions you can significantly reduce the risk of your computing environment being compromised. Following these simple guidelines should help your computing environment become more secure:

Keep your computer and software up-to-date

Keep your computers and network equipment secured with the latest software updates and enable automatic updates whenever possible.  This includes updates to third party applications such as Java and Adobe Products.  

Use hard drive encryption

In the event your machine is lost or stolen, drive encryption can prevent others from accessing the data on your hard drive.  The purpose is to encrypt or scramble your data on your machine so that it can only be read with your encryption key.Many operating systems offer drive encryption.  Microsoft offers Bitlocker and Apple has FileVault. There are also other third party encryption offerings.   

Enable your firewall

Think of the firewall to your computer as the fence around your property.  If there were multiple holes cut in the fence, it wouldn’t be very useful at keeping people out.  Firewalls are typically enabled by default on Windows machines, but double check to make sure it’s on.  Here are instructions to do so if you are using Windows 7. Only allow necessary applications inbound access through your firewall. The same principles apply to your network firewall. 

Configure your screensaver

Set an auto-locking screensaver so your account gets locked out after a few minutes.  This is useful if you forget to lock your machine when are away from it. On Windows machines this can usually be done by pressing the “Windows Key” and the “L” button simultaneously.

Make your passwords stronger

The longer and more complex the password, the better.  At least 16 characters with a combination of upper and lowecase letters, numbers, and special characters is a best practice.

Configure your router

Use the strongest wireless security available (currently WPA2-CCMP) with a long and complex password for your wireless network. Disable WPS on your wireless router for greater security.   

 


Think that some secure banking information
of yours has been compromised?

If you suspect that your personal financial information has been compromised, call MutualBank Customer Support at 800-382-8031.


 

Monday, April 7, 2014

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