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Loan Products/Options

Dreams can come true with Touchstone Bank.

Buying your first home? Building a new home? Refinancing your current home?

At Touchstone Bank, we have the experience and knowledge to help you find the loan that’s right for you, then work with you to complete each step of the mortgage process. Overwhelmed? Let’s sit down and have a conversation. We’re happy to answer your questions and guide you every step of the way.

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Touchstone has a variety of options to fit your needs:

Conventional

  • We offer home buyers both Fixed Rate and Adjustable Rate mortgages. 

FHA (Federal Housing Administration)

  • Qualified borrowers are allowed smaller down payments and flexible credit terms.

 VA (Veterans Administration)

  • Available to all qualified Veterans and in-service personnel.

 USDA

  • Guaranteed rural housing loan. No down payment needed.

 Jumbo

  • Created primarily for large loans on higher-priced properties.

 Construction to Permanent Loan*

  • If you’re building a new home, we may be able to provide you with both the construction loan and permanent financing as one transaction. This benefits you by saving both time and money in closing costs. This option allows a one-time closing for both the construction loan and permanent mortgage loan.

*To qualify, construction must be completed and converted to a permanent loan within 12 months.

***** Down Payment Assistance*****

  • For qualified First Time Home Buyers, Community Partners, and our Military buyers.

 Second Homes

  • For purchasing, building, or refinancing beach, lake or other resort homes.

 Investment Property

  • For properties to be used as rentals.

 Refinancing

  • For cash, out, lower interest rate and mortgage payment, or to shorten your term.

 

We’re here to help.

I will help you find the loan that best fits your needs… and identify those needs by listening – to you. I work with you to gain an understanding of your personal finances and what you can afford to pay each month.

 

 

 

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