Put more interest into your savings. Call or come to one of our branches today!

Financing a Home

There are many options available to you if you’re looking to finance a home, from long-term loans or short term, fixed rates or adjustable, low monthly payments or accelerated pay downs. The options are almost as varied as are the needs of our customers. At CFG, we have the products, service and experience to meet your mortgage needs.

Fixed-Rate Mortgages

A fixed-rate mortgage may be right for you, if you prefer to budget a specific payment amount into your monthly expenses. Conventional fixed-rate mortgages have a consistent interest rate for their entire term, so your principle and interest payments remain the same for the life of your loan.


  • Allows for easy budgeting and long-term planning
  • When interest rates are low, it allows you to lock in favorable rates for the long term
  • Includes jumbo loan financing options

Adjustable Rate Mortgages (ARMs)

An adjustable rate mortgage (ARM) usually offers lower initial interest rates over traditional mortgage options. After the initial term, these rates adjust annually to a new rate. An ARM provides more flexibility.


  • Offers lower initial payments
  • Protects you with annual and lifetime rate caps
  • May easily convert to a fixed-rate loan for the remaining term or be fully assumable


Now is an ideal time to restructure your mortgage and other debts, with rates at historic lows. By refinancing your mortgage, you can free up your disposable income for other priorities. Our experienced mortgage lenders are ready to help. CFG can help you consolidate debts or take cash out. We excel at making the refinancing process as quick and easy as possible.


  • Faster Mortgage Payoff
    Pay off your mortgage faster by refinancing to a shorter mortgage term. By refinancing to a shorter term, you can also build equity faster and this could save you thousands of dollars in interest over the life of the loan.
    • Refinance to a shorter term and save
    • Reduce your current monthly payment
  • Reduce Your Rate
    Reduced rates can mean lower monthly payments to free up money for other needs.
  • Take Cash Out
    Take equity cash out by borrowing against the equity in your home. Interest rates on mortgage loans are generally lower than other consumer loans or credit cards so you can lower your monthly payment and the interest is usually tax-deductible (consult your tax advisor). The cash can also be used for any number of reasons, such as:
    • Medical expenses
    • Consolidating credit card debt
    • Home improvements
    • Vacations
    • College tuition
    • Holiday expenses
    • Simply having extra cash on hand for emergencies

Request a FREE consultation on the mortgage refinancing program that’s right for you

First-time Homebuyer

The first-time buying process can be intimidating, but at CFG we make it understandable and easy. Our mortgage professionals will first have an initial home-buying consultation with you to explain the process from start to finish. This is a great opportunity for you to ask all the questions you may have.

New Home Construction

What an exciting way to become a new home owner. The Home Construction process is a great alternative and, as such, requires the care and expertise of a team of dedicated lending professionals who understand the flow of home construction from building plans and occupancy certificates and all that happens in between. Our process will allow you and your builder to meet deadlines and ensure that each phase will be funded as needed right through completion.

Free Mortgage Calculator

To help you determine how much “home” you can afford, try using our free mortgage calculator. You can calculate payments based upon a desired mortgage term and loan amount. If you’re thinking about refinancing, you can see how much you’ll save each month.
Calculate your mortgage payments