Real Estate
At Patriots Bank, we offer Real Estate Loans whether you’re a first-time homebuyer, an experienced homeowner, or an investor. It’s important to work with a local lender you can trust. Patriots Bank has the mortgage products, competitive rates and expertise you need to navigate the home-buying process. Choose from a variety of mortgage options and negotiate with confidence when you are pre-qualified.
Conventional Loans
- 10 through 30-year terms available
- primary & second homes
- 5% minimum down payment for a primary residence
- Purchase and Refinance options
- Construction Loans
- Investment properties
Government Loans
- Federal Housing Administration (FHA)
- Veterans Administration (VA)
- Rural Housing Guaranteed
Fannie Mae “Home Ready” Affordable Loan – 10 to 30 Year Fixed Rate
3% minimum down payment
5/1 and 7/1 ARMS
5% minimum down payment for primary residences
FHA Fixed Rates
3.5% minimum down payment
VA Fixed Rates for Veterans
Zero minimum down payment
USDA Guaranteed Rural Housing (GRH) Loans
Zero minimum down payment
MHDC “First Place” Loans (Missouri only)
First-time home buyer cash assistance available – can be combined with Conventional, FHA, VA or
Renovation Loans
A program designed to include renovation/repair/remodeling costs into the loan with one closing
Jumbo Fixed Rates and ARMs
Loan amounts to $2 million