Welcome to Our New Website
Same Forte Bank you know and love, brand new look!
Your Homebuying Hype Team
We’ve been helping people open the door to buying homes for over a century. Our loan decisions are made locally, our lenders serve as trusted advisors, and we service the life of most loans. Most importantly, we use a tailored approach to find you the best solution.
Types of Mortgages We Offer
Fixed & Adjustable Rate
Choose the terms and type of mortgage that will work best for you now and in the future.
- Get the predictability of an interest rate that stays for the life of the loan with a fixed rate mortgage
- Fixed rate terms: 10, 15, 20, or 30 years
- If you’re looking for a lower initial interest rate, an adjustable rate mortgage (ARM) could be a good choice for you
- Depending on market conditions, an ARM interest rate will go up or down
- ARM terms: 3/1, 5/1, or 7/1 The first number is the initial rate period in years, the second is how often the rate adjusts after that initial period in months
- Check current rates in our mortgage web center
Construction & Lot
If you’re not finding the perfect home, you can build it.
- Secure your land before it’s gone with a lot loan
- Lot loans require only 25% down
- 1- and 3-year balloon loans with a 20-year amortization
- Our construction loans require as little as 15% down
- Make interest-only payments during construction and then convert the loan into a conventional mortgage with regular monthly payments when your home is complete
- Take a look at our FAQ to learn more about how the process works, including what documents you need to apply for a loan and review our construction loan checklist
Government Backed
We offer VA home loans as well as USDA Rural Development Loans.
- VA loans are guaranteed by the U.S. Department of Veterans Affairs
- VA loans are available to qualified service members, veterans, and eligible surviving spouses
- Purchase or refinance a primary residence with a fixed rate mortgage at a competitive interest rate and little-or-no-money down with a VA loan
- The USDA Rural Development Single Family Housing Guaranteed Loan Program gives low- and moderate-income borrowers the ability to purchase or refinance1 a home located in an eligible rural area with no down payment2
- It may be possible to finance closing costs, including the one-time guarantee fee, into your loan amount as well
Additional Mortgage Options
Jumbo Loans
If you’re looking to purchase or refinance an expensive home, a jumbo mortgage may provide you with the best option.
- Jumbo mortgages are considered “non-conforming” loans, meaning they exceed the maximum allowable loan amount to be sold to Fannie Mae or Freddie Mac
- Forte Bank offers adjustable rate jumbo loans for purchases of a primary or secondary home, cash-out and refinancing
- Loans are underwritten and serviced by a private investor and property restrictions apply
Bridge Loans
A bridge loan is a short-term loan that bridges the gap between when financing is needed.
If you are in need of short-term financing — for example you’re buying a new home before finalizing the sale of your current home — then a bridge loan might be the right solution for you.
Refinancing
If the value of your home has risen or you’d like to take advantage of a lower interest rate, it may be in your best interest to refinance your mortgage.
You may want to refinance to:
- Reduce your interest rate and monthly payment
- Switch from an adjustable rate mortgage to a fixed rate mortgage
- Shorten your loan’s terms
- Tap into equity or consolidate debt
Home Affordability Calculator
Forte Bank’s calculators can help you manage your personal finances, compare loan rates and terms, and figure out how much of a home loan you can afford.
For the current mortgage interest rates, click here.
Special Programs
- Financing Unique Properties
Forte Bank can help finance unique properties that other banks typically won’t, including: barndominium homes, non-warrantable condos, and large remodeling projects - Grant Programs
Eligible homebuyers can receive up to $6,000 through the Downpayment Plus® Program* grant and up to $10,000 through the Down Payment Assistance Loan Program** toward down payment and closing costs - First-Time Homebuyers
To further assist first-time homebuyers achieve their dream, we offer $1,000 off closing costs! - Second Look Program
If you applied for a home loan and received a loan estimate or loan worksheet from another lender, let Forte Bank have a second look. We’ll show you what we can do for you, and if you choose Forte Bank, we’ll give you a $300 closing cost credit!†
Contact a Lender to Learn More Or Get Pre-approved for Free
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