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Mortgage Center

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Home Loan Process at A Glance

Click here to see a step by step layout of the mortgage loan process.

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Mortgae Loan Types Available

Fixed Rate Mortgages

  • A fixed rate mortgage is the most common type of mortgage selected by homeowners. It will provide you with the security of having the same interest rate over the life of the loan, which will give you a consistent principal and interest payment. We offer an array of loan terms to fit your needs.

VA

  • The Veterans Administration assists eligible U.S. Veterans in purchasing a home by providing low closing cost and special financing options on home loans.

Lot and Land Loans

  • These home loans make home ownership possible by providing financing for the purchase of land to build a residential home.

FHA

  • FHA financing offers down payment requirements that are traditionally lower than conventional financing options and will allow you to use gift and or grant funds to assist with down payment and closing costs on your home loan. FHA mortgage loans may also allow for more flexible credit guidelines. These loans can be a good option for first-time home buyers.

USDA/Rural Development

  • The Guaranteed Rural Housing Loan Program may be an ideal mortgage loan for first-time homebuyers. The home loan provides special financing options on homes located in eligible rural communities.

Construction Loans

  • This mortgage loan product provides short term financing to be used for construction of a new property. You will make interest-only payments during the construction period. Construction draws will be handled through a local title company and upon the completion of the home, the home loan can be refinanced to a Fixed Rate Mortgage product.

Portfolio Lending options

  • Hickory Point Bank offers in-house solutions for borrowers that are looking for options outside of conventional mortgage loan lending programs to make home ownership possible.