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Types of Loans


Fixed Rate Loans
If you don’t like surprises you might want a fixed rate loan. Your interest rate will be set at a fixed rate through the life of the loan.

Adjustable Rate Loans
To set your own pace, get an adjustable rate loan. The interest rate begins fixed then rises and falls with the market.

No-Fee Mortgages**
Close or refinance your mortgage with no appraisal, origination or any other fees. This is applicable to first mortgage loans only. Contact a BOS lender for more details.

Special Financing Programs
A conventional loan isn’t right for everyone. See a BOS loan specialist for details on U.S. Government loans and community programs to aid veterans, first time homebuyers and those working within a smaller budget. A Federal Housing Administration (FHA) mortgage can help first time home buyers who don't have enough money saved for a down payment or who are using a monetary gift as a down payment. FHA loans also allow lower credit scores. For more information about any of our Special Financing Programs, contact a mortgage specialist at a BOS branch near you.



* All loans subject to credit approval.
**Contact a BOS mortgage lender for details and current interest rates for No-Fee Mortgage. Applicable to first mortgage loans only. Qualifying fees include non-recurring closing costs (third party fees): appraisal, credit report, tax service, flood determination, origination fees, title insurance, courier and recording. Costs that do not qualify include but are not limited to property taxes, interest, and all types of insurance.

***Conforming Loan Payment Notice: Your payment will be processed the same day it is received if we receive it on a regular business processing day during regular business hours. All other payments received will be credited on the next regular business day. Regular business processing days are Monday-Friday. Saturdays, Sundays and federal holidays are not regular business processing days. Additional information about our BOS locations, regular business hours, addresses and phone numbers can be found on our website at www.bankwithbos.com or by calling 877-698-3278.


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