We Make It Easier To Buy
A New Home

Buying a new home should be a pleasant experience. We'd like to help make it that way by taking the worry out of applying for a mortgage. That's why we would like you to take our Home BuyAbility Test. It will help you find out how much home is right for you, so you can feel more comfortable when you apply for your mortgage loan with us.

Select A Mortgage Loan To Fit Your Financial Situation. Before you apply for your mortgage loan, you'll need to decide which type of loan may be right for you.

Conventional Loans

• Fixed Rate
  
• Same Monthly Payments for the Amount of the Entire Loan
  
• Easy to Budget

Adjustable Rate Loans

• Lower Rates than Conventional Loan
  
• Full Knowledge of Maximum Amount You Will Pay
  
• Monthly Payments May Be Lower

Freddie Mac 100

• No Down Payment
  
• No Bankruptcy or Foreclosure
  
• No Income Limits

Once you know approximately how much home is in your price range, use the guide below or our convenient Mortgage Loan Calculator to estimate your monthly payments based on the principal and interest. Closing costs are normally paid in a lump sum at the time you take out the loan. Other annual costs such as taxes, insurance and mortgage life insurance are also not included on the chart, but may be added to your monthly payments.

These are just some of the loan options that New Carlisle Federal Savings Bank has to offer. For more details on these and other loan options, call or stop by one of our branch offices.