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Home Loans

Our Home Loans include:
  • Low Fees
  • Fast Response
  • Fast Closings
  • In-House Servicing
  • Personalized Service
  • Expert Advice

Fixed Rate Mortgage
Whether you’re looking for a shorter term or a lower payment, a Fixed Rate Mortgage from Rails West offers a straightforward and predictable monthly payment to make planning your monthly budget easier. 

  • Fixed rate terms range from 5 to 15 years.
  • Finance up to 80% of the appraised value of your home.
  • No prepayment penalty.

Fixed Rate 2nd Mortgage
Use a Fixed Rate 2nd Mortgage for home improvements, debt consolidation, college education, or any other large purchase.  A Fixed Rate 2nd Mortgage from Rails West will give you access to the equity in your home with a one-time draw of funds.

  • Fixed rate terms range from 5 to 12 years.
  • Finance up to 90% of the equity in your home.
  • No prepayment penalty.
  • $295 flat fee.
  • Interest may be tax deductible (consult your tax advisor regarding interest deductibility).

Home Equity Line of Credit (HELOC)
Do you need help paying for major expenses such as home improvements?  Or do you want to consolidate higher interest rate debt?  With a Home Equity Line of Credit, you can borrow as much or as little as you need up to your predetermined limit.  You’ll have easy access to your money and only pay interest on the amount you withdraw and not the entire line amount.

  • Get access to cash when you need it.
  • 5 and 10 year draw periods.
  • Fixed and variable rate options available.
  • $295 flat fee.
  • Interest may be tax deductible (consult your tax advisor regarding interest deductibility).

Freedom Mortgage
Looking to get out from under your house payment in a shorter period of time? A Freedom Mortgage may be a great solution to reduce your monthly payment and obtain a great new rate.   Our Freedom Loan is a fast, easy and affordable loan solution.

  • 5 to 10 year term.
  • $375 fee.
  • Reduce your monthly payment.
  • Get out of debt fast.
  • Prepare for life events such as college tuition or retirement.

For more information, including rates, speak to a home loan specialist today!  208-232-5746

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