US military man with family showing keys from house, benefits in crediting

Home Mortgage

At Tri-County Bank, we are committed to building lasting relationships with our clients.

One of life’s biggest investments is your home.  At Tri-County Bank, we can help you become a first-time homebuyer, refinance to consolidate debts, and help to purchase your dream home.

Tri-County Bank offers Conventional and Government financing for owner-occupied residences.  Below are some of the differences and qualifications for our mortgage loans:

Conventional Loan (Freddie Mac or Fannie Mae)

Home loan that requires as little as 3-5% down payment.

  • Competitive interest rates based on current market.
  • Private mortgage insurance is required on loans with less than 20% down payment.
  • Flexible Loan Terms Available
  • Adjustable and Fixed Rates
  • Manufactured homes on a permanent foundation allowed.
  • Credit scores as low as 620
Government Loans

Government loans allow for a smaller down payment, even zero per cent down payment.  Options include USDA/Rural Housing and VA (Veterans Administration).

  • Competitive interest rates based on current market.
  • Terms include 10, 15, 20, and 30 years.
  • Adjustable and Fixed Rates
  • Credit scores as low as 640.

Loan Request Requirements