Loans to make your dream home a reality
Whether you're buying, improving, or refinancing your home, we can tailor the perfect loan for you.
Mortgages
Have some real buying power
Whether you’re a first-time homebuyer, repeat buyer, or looking to upgrade, we’ll provide the loan you need to get what you want.
Benefits
Homeownership
You can buy a home with manageable payments.
Build equity
As you pay off the loan, you gain ownership in the property.
Tax benefits
Mortgage interest may be tax-deductible.
Flexible rates
We have options for fixed or adjustable rates based on your needs.
Long terms
Extended repayment periods make monthly payments more affordable.
Investment potential
Your property may appreciate, offering financial returns when sold.
Stable payments
Fixed-rate mortgages provide predictable housing costs.
Refinancing
Get more for your money
We can help craft a new mortgage with terms that work better for you.
Benefits
Lower interest rates
Refinancing can secure a lower rate, reducing overall loan costs.
Lower monthly payments
A new loan can result in more affordable payments.
Shorter loan term
Refinancing to a shorter term can save on interest and pay off your loan faster.
Access to cash
Cash-out refinancing allows you to tap into your home’s equity for other financial needs.
Debt consolidation
You can consolidate high-interest debt into a single, lower-interest mortgage.
Improve loan terms
Refinancing can provide better terms, such as moving from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.
Increase property value
With access to cash or a better loan, you can invest in home improvements that increase your property’s value.
Home Equity Loans
Have your home bring home the bacon
Our Home Equity Line of Credit (HELOC) loans let you use your home as collateral to get cash when you need it.
Benefits
Flexible access
Enjoy revolving credit for when you need funds.
Lower interest rates
This loan is typically cheaper than credit cards or personal loans.
Interest-only payments
Some allow interest-only payments during the draw period.
Tax benefits
Interest may be tax-deductible for home-related expenses.
Pay for major expenses
You can use this loan for home improvements, education, or other large costs.
Build equity
This allows you to borrow against your home’s equity without selling.
Repayment flexibility
You can reborrow and repay as needed.
Understand your options
Conventional Loans
Whether you're a first-time homebuyer or a seasoned homeowner, a conventional mortgage is the perfect choice for buyers looking for a straightforward, reliable path to homeownership.
With competitive interest rates, flexible terms, and the potential to secure a lower down payment, this loan option provides the stability and predictability you need
VA Loans
A powerful option for veterans, active-duty service members, and their families, VA loans offer exclusive benefits that make homeownership more attainable.
With no down payment required, competitive interest rates, and no private mortgage insurance (PMI) needed, a VA loan can significantly reduce your upfront and ongoing costs. This loan is designed to honor your service by providing more affordable and flexible financing options.
FHA Loans
This government-backed loan is an excellent option for first-time homebuyers or those with less-than-perfect credit.
With a lower down payment requirement and more flexible credit standards, FHA loans make homeownership more accessible. They also offer competitive interest rates, allowing you to save money in the long run.
Loan Officers
Here to help you make the best borrowing decisions
Banking is just better when you have good people who can help you every step of the way.
If you have questions or need help getting your loan application started, let’s get you connected with one of our friendly, expert Loan Officers.
Benefits of choosing Portage
Customization
We work with you to tailor loans to your specific needs and budget.
Ease
Our competitive rates, variety of options, and helpful approach make getting the right loan easy.
Relationships
We’re here to build a lasting partnership and find the best way to help you reach your goals.
Take Portage wherever you go
Our free mobile app gives you fast, secure, 24/7 access to your finances.
