• Fixed Rate
• Adjustable Rate Mortgages (ARM)
• Construction Loans
• Cost Saver
• FHA Mortgages
• Current Rates

Fixed Rate

• Conventional and FHA financing
• Loans with secondary financing to avoid Private Mortgage Insurance (PMI)
• No down payment loans
• Loans for hard-to-document borrowers such as Stated Income and No Income loans

Adjustable Rate Mortgages (ARM)
Adjustable Rate Mortgages enable you to save money over conventional mortgages for the initial fixed rate period. Your rate is usually lower during that initial period, after which the market will determine your rate.

• Low fixed rates for the fi rst 1, 3, 5 or 7 years of your loan, with annual rate adjustments every year after that
• Lower payments which help the buyer qualify for more money
• Quick approvals
• Interest only products

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Construction Loans
We truly believe that Lincoln Bank has the finest construction loan program you’ll find anywhere. Knowledge and experience make the difference. We have long time relationships with local builders.

One-Closing Loans

• With a rate that is locked when the loan is closed, saving time and money by having only one closing and therefore one set of closing costs.

Two-Closing Loans

• Which provide fl exibility on the fi nal balance of the loan and you don’t have to lock in a rate. With two-closing loans, you only pay interest on the loan balance until the house is completed.

Plus, Lincoln Bank has historically serviced all construction loans, meaning few people touch your paperwork and the local offi ces see that draws are paid on time to the builder. Click here for a brochure.

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