Home Loans

No Place Like It

Whether you’re hunting for your first home or financing the house of your dreams, Tri City is the key to your local mortgage.

Our lending team brings a lot to the table — a working knowledge of the local real estate market, expertise in finding the best rates and terms for your budget, and attentive service to make the process as easy to navigate as possible.

Apply Online Meet Your Lenders

First-Time Homebuyers

We know buying your first home can be overwhelming — but your community bank is here to help you lay down roots!

Attend our free homebuying seminars to get answers to your questions about choosing an affordable home, getting prequalified and determining which type of loan will be best for you.

In addition to our seminars, we also offer programs to first-time homebuyers, including:

  • Low Down Payment Loans: Tri City National Bank offers a variety of low-down-payment loans to fit your needs. In most cases these loans will require Private Mortgage Insurance (PMI). The mortgage insurance premium is generally paid monthly and added to your mortgage payment.
  • Credit-Builder Program: This program is designed to help those who are new to the credit system build a credit history and save for a down payment. Credit-builder loan proceeds are deposited into a certificate of deposit at Tri City and used as collateral for the loan. The monthly payments are reported to the credit bureau building your credit history. At the end of the term, the borrower has the funds in the certificate of deposit to use as a down payment.

No-Closing-Cost Promotion

Tri City offers a variety of no-closing-cost loan options for both fixed-rate and adjustable-rate mortgages. Contact one of our experienced mortgage loan officers for more details and click the button below for more information.

Financing Assistance

Fixed-Rate Mortgages

  • Interest rate does not change during life of loan
  • Down payment as low as 5%
  • Flexible-term loans
  • Fixed/level payment of principal and interest for the life of the loan (interest-only payments available in some situations)
  • May require private mortgage insurance

Adjustable-Rate Mortgages

  • Interest rate adjusted periodically, according to a preselected index
  • Down payment as low as 5%
  • Initial interest rate is locked for up to seven years, then changes annually
  • Caps limit how much the rate may change over the life of the loan
  • May require private mortgage insurance

Mortgage Options

Comparison table of Mortgage Options
Product/Term Interest Rate APR*
30 Year Fixed Rate 5.250% 5.344%
15 Year Fixed Rate 4.750% 4.870%
7 Year Adjustable Rate (ARM) 4.000% 4.453%
Home Equity Line of Credit - 2.99% Fixed Intro APR 3.990% 3.990%

Loan Calculator

Home Affordability Calculator

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