Residential Loans

Purchasing a home, building your dream home or refinancing your existing home loan, Raymond Federal Bank will assist you with competitive rates and favorable terms.

  • Conventional Mortgage Loans
  • Primary & Secondary Residence Purchase or Refinance
  • Vacation Home
  • Investment Properties (rentals – non owner occupied)
  • Condominiums
  • Manufactured Homes/Modular/Pre-Fabricated Homes (purchase and set-up)
  • Bare Land or Lot
  • Home Equity
  • Home Equity Lines of Credit
  • Construction Loans (permanent financing included)
  • Low Down Programs (mortgage insurance required)
  • First Time Homebuyer Program

Auto-Pay Rate Discount
Your contractual loan rate is decreased by .25% when your monthly payment is deducted on the payment due date from your Ray Fed checking account.

How do I get started?

It's easy, follow our Getting Started Guide to get the process started.

Getting Started Guide