Not all mortgages are alike. Emerald Bank offers a full range of mortgage products. For a customized loan to fit your needs, please call us for details.

• Long term rate lock available.
• Free Pre-Approvals – no phone applications, written applications only.
• Private Mortgage Insurance (PMI) required on loans with less than 20% down payment.
• Tax Escrow – Optional with 20% down. No additional escrow waiver fee for 1 yr., 3/1, 5/1, 7/1 and 10/1 adjustable rate products.
• Construction Loans – perm loans one closing – one set of closing costs – 80% LTV