Adams Bank & Trust offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional Mortgage
FHA
VA
USDA
CHAFA
NIFA
Jumbo

Conventional Mortgage
A Conventional Mortgage is any mortgage that is not insured or guaranteed by the federal government or state government. Conventional mortgages typically require a higher down payment, usually 5%-20%. They also have higher income and credit score requirements than government loans.
 
KEY BENEFIT: Repayment terms are generally more favorable

FHA
The Federal Housing Administration (FHA) insures these mortgages so Adams Bank & Trust can offer you very attractive loan terms. With flexible qualification guidelines, these loans are designed specifically to benefit first-time homebuyers and buyers who don’t have perfect credit or a lot of money to put down.
 
KEY BENEFIT: Low down payment (as low as 3.5% of the purchase price)

VA
VA Home Loans help veterans finance the purchase of a home with very favorable loan terms at an interest rate typically lower than rates charged on other types of mortgages.
 
KEY BENEFIT: No down payment required

USDA
USDA Home Loans are for low to moderate-income homebuyers wanting to buy a home in a rural development area. USDA Home Loans are affordable and backed by the federal government.
 
KEY BENEFIT: 100% financing on a fixed 30-year loan on the appraised value of the home

CHAFA
CHAFA mortgage loans offer a variety of programs to increase the availability of affordable, decent, and accessible housing for lower and moderate income applicants in Colorado.
 
KEY BENEFIT: 3% down payment, low credit scores are not automatically excluded

NIFA
NIFA provides affordable loan programs for first-time home buyers in Nebraska
 
KEY BENEFIT: Below market interest rates and down payments

Jumbo
A Jumbo Mortgage is any single loan amount over the conforming loan limit set by Fannie Mae and Freddie Mac, which is currently $417,000.
 
KEY BENEFIT: Allow purchase of a more expensive home



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $484,350 for the contiguous states, District of Columbia, and Puerto Rico or below $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $484,350 for the contiguous states, District of Columbia, and Puerto Rico or exceed $636,150 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.