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Home loans

First-time Homebuyer

Buying your first home can be intimidating and overwhelming which is why we have a certified housing counselor on staff to walk you through the process. Whether you are years away from buying a home or ready to buy now we want you to feel comfortable and informed throughout the process.

First-time homebuyers may also qualify for downpayment assistance in the form of low-interest loans or grants.

Check out this video to learn more about the process.

Would you like to speak to a certified home ownership counselor with our non-profit partner, Balance? Schedule an appointment.

The Homebuyer Dream Program, is matched savings program which can help you with downpayment assistance.

Purchase and Refinance Application

If you are ready to purchase or refinance a home, please fill out this short questionnaire so we can find the best option for your needs.

Home Equity and HELOC application or other mortgage questions

Please email us at [email protected].

See below for mortage product rates and details.


"Alternatives impacts me through their community work. By offering programs to help my neighbors learn about managing money or how to save for a home or education, they improve my surroundings and ultimately make the world a better place."

Home mortgage loans

We've designed our home loans to work for everyone - even folks with poor credit or who thought homeownership was out of reach. Our mortgages are more accessible to more people than ever before.



  • Available for 1-4 unit primary residences
  • Competitively low rates for home purchase, refinance, and home equity products 
  • A wide range of financing programs available:
    • 30 Year Fixed 
    • 20 Year Fixed
    • 15 Year Fixed
    • 5/5 Adjustable Rate Mortgage (ARM) - Flexible Plus
    • 80% Home Equity Line of Credit
    • 90% Home Equity Line of Credit

Email us at [email protected] to apply.

Fixed Rate Home Equity Loan

Borrow against the value of your home and use the money to improve your quality of life!



  • Competitive fixed rates using the equity from your primary residence
  • Loan amounts of up to $200,000
  • 10-year term
  • Borrow up to 90% of the value of your home, minus any outstanding liens
  • Local decision-making and processing
  • Expert lenders to guide you
  • Detailed, attentive service from start to finish
  • For a $25,000 loan for a term of 10 years with a 5.00% APR, the monthly payment will be $266.02

Need more info? Contact us at [email protected]

Home Equity Line of Credit (HELOC)

If you have ongoing needs that are better served with revolving credit — but do not want to resort to a credit card — a home equity line of credit (HELOC) may be the affordable answer.



  • Competitive interest rates for a wide range of ongoing expenses:
    • Home improvements
    • Medical expenses
    • Renovation projects
    • And more
  • Direct, anytime access to funds without reapplying
  • Revolving credit — when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Only pay interest on the part that's used
  • The interest paid may be tax deductible*
  • Local decision-making and processing
  • Expert lenders to guide you
  • Detailed, attentive service from start to finish

*Consult a tax advisor.


Rates are subject to change, please contact us for current rates.

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