Home Mortgages

Mortgage Products

Along with conventional mortgages we offer mortgage grants and loans for veterans, first-time homebuyers, and low-to-moderate incomes.

• Grants up to $10,000
• Conventional, FHA, VA, USDA loan options available
• Conventional min 3% down
• FHA 3 ½% down
• VA 100% financing
• USDA 100% financing

Why Choose Fortress For Your Mortgage?

Fortress has provided our mortgage products and services for more than a century. We learned during the recent mortgage crisis that the mortgage industry generally lacks honest mortgage bankers that focus on the needs of homeowners. As a result, we decided to provide this service to our communities on a much broader scale and operate with a separate division of the bank dedicated exclusively to providing mortgage services.

Our approach to mortgage banking is identical to the fundamentals of business banking upon which Fortress was built. Our friendly, professional, and knowledgeable mortgage professionals help them set your unique financial goals and secure loans suited to your needs. Our focus is on you, not on your loan. Our priority is to provide a collaborative, consultative approach that ultimately results in strong, trusting relationships between our lenders and customers.

Here’s what sets us apart from other mortgage lenders:

• We offer the best rates in the industry and have access to numerous loan programs including conventional and USDA loans, home equity loans, and home equity lines of credit
• We have the ability to hold loans in our portfolio that otherwise would not qualify for the traditional mortgage programs
• We employ mortgage lenders, not brokers. You won’t pay fees to a middle-man.
• Our mortgage lenders are licensed by the NMLS which helps to ensure that you’re working with a knowledgeable, professional mortgage lender
• We will approve your loan ourselves
• We can prequalify you for a loan to assist you in the house-shopping process
• We lock in the rates that we promise
• We don’t have hidden or unexpected fees not disclosed in the initial meeting
• We service our loans ourselves. This eliminates the difficulties other borrowers experience attempting to track someone down to help with issues they may have.
• We have a strong reputation for getting our loans to completion and closed on time. Our bankers are responsive and able to deal with problems quickly.
• We specialize in finding ways to qualify you for a loan and offer advice on ways to improve your credit and consult with you about your mortgage payments in context with the rest of your financial plan
• We utilize a collaborative process focused on customer communication so that you will know exactly where we are at in getting you and your mortgage to closing on time

Lastly, we rely on references to generate new customers. We encourage you to contact industry professionals and speak with your friends and our past customers. We take our reputation as the “go to” lender for sound, professional service with competitive rates and products from trustworthy lenders very seriously and look forward to the opportunity to earn your business and trust as well.