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

Investment Property Loans