Loan Options

Stonebridge First offers a variety of loan programs to meet our clients’ needs. Whether you are purchasing or refinancing your home our professionals can assist you with any of the following:

Conforming Fixed-Rate 10, 15, 20,and 30 year mortgages

Conforming loans are those mortgage loans which meet government sponsored entity guidelines and are commonly referred to as secondary market loans.  A large majority of homeowners or prospective homeowners will benefit from this type of mortgage product. Fixed rate products are, as their name suggests, loans with rates that are fixed at closing and cannot change for the life of the loan.

Jumbo Loans

Loans of an amount greater than $726,200 or the conventional conforming loan limits as set by the two government sponsored enterprises Fannie Mae and Freddie Mac which regulate mortgages nationwide.  These specialized mortgage products typically carry a higher interest rate than conforming mortgages and demand a level of knowledge and expertise which Stonebridge professionals possess.

Home equity lines of credit

A home equity line of credit (often called a HELOC) is a loan using the equity in a borrower’s home for collateral. As a home is often one of a client’s most valuable assets many homeowners use a HELOC to take advantage of additional equity they’ve built up in their home.  These lines of credit are often used for major items such as education expenses, home improvements, medical bills, or debt consolidation.  As a line of credit a borrower may draw against or pay down the line during the agreed upon term.

Home equity loans are very similar to a HELOC but differ in that they are a single advance loan with a stated amortization schedule over the agreed upon term of the loan.

Both home equity lines and loans are valuable financial tools which Stonebridge professionals may offer after understanding your financial picture and goals.

Adjustable Rate Mortgages (ARM Loans)

Also known as a variable-rate mortgage, adjustable rate mortgages are mortgage loans with an interest rate that periodically adjusts over the term of the loan.  This type of mortgage is more complex than conventional mortgages and, while it can be an effective tool for some borrowers, it is not used as often as borrowers tend to opt to have their rate fixed for the time they intend to own their home.   Stonebridge professionals can help you decide if this type of loan is a good option for you.

Construction Loans

Our construction loans provide the necessary financial support for individuals and businesses looking to undertake new home construction or major property renovations. These loans are specifically designed to cover the costs associated with building or remodeling projects, ensuring that you have the funds needed at each stage of the construction process. With flexible draw schedules and interest-only payment options during the construction phase, our construction loans offer the financial flexibility required to bring your vision to life. Our experienced team of mortgage experts is ready to guide you through the construction loan process, answering your questions and providing the support you need to successfully complete your project.

Commercial Loans

We offer a comprehensive range of commercial loan options designed to meet the specific financing needs of businesses. Our commercial loans provide businesses with the necessary capital for various purposes, including property acquisition, expansion, equipment purchases, working capital, and debt refinancing. We understand the unique financial requirements of different industries and work closely with our clients to customize loan structures that align with their goals and cash flow patterns. Our team of experienced commercial loan specialists guides clients through the application process, ensuring efficiency and attention to detail. With competitive terms and rates, we are committed to supporting the growth and success of businesses across various sectors.


Whether you are purchasing or refinancing your home, our professionals can assist you!

“Stonebridge worked with me to make sure I qualified for the refinance and then locked in a low 15 year rate.”