Home Loans

Solutions for Purchases, Refinances and Home Construction


Home. There’s no place in the world like it, and whether you’re looking to purchase your first, refinance your current one or build a new home, we’re here to help. Time Federal Savings Bank’s mortgage lenders are well-versed in various types of mortgages and home lending programs, and are ready to help you get into the home of your dreams.

Purchasing a home?

Take advantage of our Pre-Qualification Services.  Our pre-qualification process will let sellers know you are serious about purchasing your dream home.

Whether you are purchasing your starter home, buying a new or larger home, or your dream home, rest assured that as a strong, local community bank, we can offer you great low rates, low closing costs and peace of mind that you will always work directly with us for the life of your loan! 

We can offer a loan to fit your needs with fixed-rate and variable-rate mortgage options.

First-Time Home Buyers…we offer special programs for qualifying first-time home buyers through down payment assistance (limited time offer).  See us for details. Additional resources available on our Education and Guides page.

Call one of our lenders today.


Building a home?

We can help you all the way through the construction phase to owning and enjoying your new home.  A construction loan with Time Federal allows you to lock in a great low rate now on a new construction loan, and close later in one easy step with no additional costs after construction is complete. Our experienced mortgage lenders will help guide you through the process and personally assist you from start to finish. In addition to our construction loans, we offer land purchase loans, in both fixed-rate and variable-rate mortgages for qualified buyers.

Contact a lender to discuss your options today!


Refinancing your home?

Whether you need to build equity faster in your home or to lower your house payment, we offer flexible loan options to fit your needs and lifestyle.  Work with us for the entire life of your loan, and select the financing options that best fits your needs.

Connect with one of our lenders!


Purchasing land for a home?

Making big plans for your dream home?  We can help you purchase the perfect piece of land for your home, vacation home or second home.  We offer great rates with low closing costs to help you save money in the long run!

talk with a lender today!


Purchasing or building rental or investment property?

We can help you buy, build or refinance rental property while helping you create a strong positive cash flow and take advantage of our competitive interest rates. Additional resources available on our Education and Guides page.

Check with one of our lenders today.