It's easier than you think to get easier-to-handle terms on your mortgage

Taking advantage of better terms is not as complicated as you might believe. Don't let the routine of what you're doing now prevent you from what you can be doing better. Let us show you how easy refinancing can be.

You have the freedom to choose a loan term that best fits you, instead of being forced to choose an option that may cause you to pay more interest or stress your monthly budget.  Not only can you choose from a wide range of terms, but you may also receive a lower mortgage rate based on the term you select.

  • Our Best Rate Tool gives you a custom quote with tips to get the best rate and receive additional perks. 
  • Our Online Application makes it easy to apply whenever and wherever is most convenient to you. 

Additional Benefits

  • Low Closing Costs - LSB doesn't charge points.
  • Low Mortgage Rates - We post our mortgage rates daily and you can use our Best Rate Tool to get a custom mortgage rate quote in seconds. 
  • Mortgage Rate Security - Don't stress about changing mortgage rates with our 75-day mortgage rate lock AND you'll be eligible for a free mortgage rate float down if mortgage rates decrease. Call for details. 
  • Loan Modifications - While we offer great rates, there is still potential for them to decrease in the future and because we don't sell our loans, you are eligible to adjust the terms of your mortgage quicker and easier through our Loan Modification Program.
  • Relationship Focused - As a portfolio lender, getting a mortgage with us is more like a partnership than a business deal. Our experienced team works to ensure you get a mortgage you can afford and if faced with a hardship, we'll be here to listen. 
  • Commission-Free - Our Loan Officers aren't commission-based or distracted by quotas. Instead, they are focused on creating Relationships for Generations through honesty and integrity. 
  • Flexible - A square peg doesn't fit in a round hole! All credit decisions are based on your individual circumstances, not the secondary mortgage market guidelines. 
  • Portfolio Lender - We will service and hold your mortgage for the life of the loan. 
  • Money Stays Local - To help build and improve the local community. 
  • Premium Customer Service - You talk to real people - not automated phone systems or call centers. 

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