Conventional Mortgage Options
Find the right fit for your home buying journey with a variety of traditional mortgage options. Our team will provide guidance and local expertise to support you through your entire home-buying journey.
Fixed-Rate Mortgages
- Lock in current interest rates
- Make consistent payments toward the interest and principal for a fixed time period
- Terms ranging from 10, 15, 20 or 30 years
Adjustable-Rate Mortgages
- Initial introductory period with fixed rates, after which rates will adjust on a regular period
- Periodic and lifetime caps on how much the interest rate can change
- Loan servicing remains with your local bank
USDA Home Loans
- USDA program for low- and moderate-income families to purchase primary residences in eligible rural areas
- Flexible credit requirements
- Receive up to 100 percent financing, meaning no down payment
- Low interest rates
VA Home Loans
- For eligible service members, veterans, and surviving spouses
- Used for purchasing a home, or repairs and renovations to current home
- Competitive interest rates
- May not require a down payment
- No private mortgage insurance requirement
- Can also be used for cash out or interest reduction refinancing
Run the numbers so you can start planning with our Mortgage Financial Calculators.
Are you looking to refinance or spruce up your current home? Explore our Home Mortgage Refinancing or Home Equity Lines of Credit options.
Why a Community Bank?
At BTC Bank, investing locally enables us to support our communities and their unique needs. Unlike large commercial banks, the money you deposit with BTC Bank stays local, growing the economy and creating jobs. Banking with a community bank is like shopping local—it keeps money in the community and helps it thrive.
FHA Home Loans
- Government mortgage loan guaranteed by the Federal Housing Administration
- Flexible credit requirements
- Low down payment options
- No income limits
- Competitive interest rates