Home Mortgage Loans

A fixed-rate mortgage features an interest rate that remains the same throughout the life of the loan, so your monthly principal and interest payment will be steady and predictable. If you can contribute a 20-percent down payment or more, you may be able to avoid the cost of private mortgage insurance.

• Down payments as low as 5%
• Fixed/level payment of principal and interest for the life of the loan; interest-only payments available in some situations
• Balloon payment options not available
• May require private mortgage insurance

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If you expect your income to increase or plan to own your home for a short while, an Adjustable Rate Mortgage (ARM) may be your best option. ARMs offer lower initial interest rates. After a specified period, the interest rate adjusts based on a preselected index plus a margin and is generally subject to periodic and life-of-loan interest rate caps and floors. We offer a range of terms with the following as options:

• No down payment necessary- 100% financing available
• 3/1 ARM: Interest rate is fixed for the first three years and then adjusts annually- available for investment property and vacant land loans only
• 5/1 ARM: Interest rate is fixed for the first five years and then adjusts annually
• 7/1 ARM: Interest rate is fixed for the first seven years and then adjusts annually
• 10/1 ARM: Interest rate is fixed for the first ten years and then adjusts annually
• Balloon payment options not available

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Jumbo mortgages are home loans that exceed conforming loan limits. A jumbo loan is one way to buy a high-priced or luxury home. Your interest rate will be fixed for the life of the loan, so you can plan a long-term budget.

• Borrow more than local conforming loan limits 
• Fixed interest rate for the life of the loan
• Down payments as low as 20%
• Debt-to-income ratio of 45% or less required

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Building your home from the ground up is a whole lot easier when you have local experts right around the corner. Transition from the construction phase to mortgage payments with the help of Isabella Bank.

• Competitively low rates for your home construction project
• Available for primary residence or second home construction
• Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
• Pay off interest quicker; payments are interest-only during construction phase
• Payments are made on the amount drawn on your loan sufficient to pay your builder
• Construction draws applied in stages based on work completed

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Use your home equity to access a flexible line of credit with competitive rates and interest-only payments on what you use. Learn More about HELOC and Home Equity Loans

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