If you want a mortgage amount that stays steady over time, our fixed-rate mortgages with competitive rates can be a great solution.

Our ARMs save you money upfront with lower interest rates. The rates may change over time based on changes to the prime rate or the underlying interest rate index, but you can rest assured that most of our ARMs have limits on how much your interest rates can move.

Our First Time Home Buyer Programs and FHA loan options help make starting your home buying journey easier. We take most of the guesswork out of buying your first home because at Nation Choice Reserve Bank  we have resources to help first-time buyers find the right mortgage and make the best choices.

You can buy a dream home or renovate your current space into the property you've always wanted. Whether you're taking your house down to the studs and starting over or just making a few upgrades, our construction loans give you the financial resources to update your home.

This program, offered and insured by the government, allows qualified borrowers to purchase a home with a down payment as low as 3.5% (including from eligible gift funds). There is no first time homebuyer requirement to take advantage of FHA financing. Contact one of our Mortgage Loan Originators today to see if an FHA loan is the best solution for your mortgage needs.

For those who have served our country, the U.S. Department of Veteran's Affairs has a home loan program that allows qualifying veterans to purchase a house with up to 100% financing and no down payment needed. If you think you may be eligible for a VA loan, we at Nation Choice Reserve Bank can help you see if you qualify.

This loan program, offered by the government, helps qualified buyers purchase property in rural communities. If you are eligible, you may be able to buy a property with no down payment and up to 100% financing. Talk to us at Nation Choice Reserve Bank to find out whether this might be the right program for you.