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How quickly can you close on a mortgage loan?

Typically, you can close your mortgage loan within 45 days of application, depending on the time of year and the type of transaction. We can sometimes close sooner than that, depending on the transaction and the timeliness of information and documentation provided.

How much are mortgage closing costs?

Mortgage closing costs vary, depending on the type of transaction (purchase or refinance), size of the loan and whether or not you are paying "points”. Additional services such as legal review of a trust or, power of attorney and other ancillary services may add to the fees that we charge as these services add to our costs to process and approve your loan.

Do you offer rate locks on mortgages? For how long? Does it cost extra to lock in?

We do offer rate locks on residential mortgages, for almost any term needed: 30-, 45-, and 60-day locks, or longer. Additional fees and/or higher rates may apply for locks in excess of 30 days. Please call one of our mortgage representatives at (888) 705-9596 to get more information.

Do you offer mortgage loans to purchase second homes?

We do! We offer second and vacation home financing. We can also finance three-season homes and summer cottages with one of our portfolio programs. To find the mortgage program that best meets your needs, please contact one of our mortgage representatives at (888) 705-9596.

Do you offer mortgage loans to purchase investment property?

Yes, we offer mortgage loans for investment property. Our most popular program for 1- to 4-unit investment properties allows for a relatively low down payment and no points. We also offer financing for large, multi-unit properties (5+ units) and mixed-use properties through our commercial lending division – call (603) 629-1540.