Evoke Bank offers a wide variety of mortgage loans, including purchases, refinances, cash-out refinance, construction loans, and home equity credit lines. We specialize in solutions that meet your needs. Our mortgage experts provide personal advice and counseling and work with you throughout the loan process. We offer a pre-qualification service to expedite your purchase. Contact one of our mortgage originators to discuss the loan program best suited to your particular needs.

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Not government insured or guaranteed.

  • Up to 95% maximum Loan to Value
  • Terms available up to 30 years
  • Prime Mortgage Insurance is required on loans with Loan to Value greater than 80%
  • Eligible property types
  • Purchase and refinance transactions available
  • Fixed rate loans may be serviced locally

An adjustable rate mortgage gives Evoke Bank the flexibility to create a mortgage for those who may have needs that are not met by a fixed rate mortgage. The loan may have lower beginning interest rates (and lower payments) than fixed rate mortgages and can increase or decrease after the initial adjustment period. Typically a person who may only stay in a home for a short period of time may choose this product to reduce the mortgage costs during their limited stay in the home.

FHA loans aid lower income borrowers to purchase otherwise un-affordable homes.

  • 96.50% Loan to Value on purchase transactions and up to 97.75% Loan to Value on rate and term refinance transactions. Cash out refinance up to 80% Loan to Value
  • Lending limits vary based on housing types and the state and county in which the property is located
  • FHA collects an up-front mortgage insurance premium along with an annual fee
  • 620 minimum credit score
  • Eligible property type
  • 30 year fixed rate term available
  • Purchase and refinance transactions available

VA loans offer long-term financing to eligible veterans, active duty personnel or surviving spouses.

  • Up to 100% financing available
  • Guaranteed by U.S. Department of Veteran Affairs
  • VA collects a funding fee on each loan to compensate for any losses or defaults unless the veteran is exempt
  • 620 minimum credit score
  • 30 year fixed rate term available
  • Eligible property type
  • Purchase and refinance transactions available

Guaranteed Rural Housing loans are geared to help moderate income families.

  • Up to 100% Loan to Value based on appraised value
  • Property must be in a rural eligible location
  • Guaranteed by USDA Rural Housing
  • Collects an up-front guarantee fee along with an annual fee
  • Guaranteed loan eligibility income limits apply
  • 620 minimum credit score
  • 30 year fixed rate term is available
  • Eligible property types

Jumbo Fixed Rate loans are those with balances in excess of $548,250.

  • Minimum loan amount $548,250
  • Minimum credit score 680
  • Loans under $1MM require 1 appraisal, loans over $1MM require 2 appraisals
  • Additional requirements and conditions apply
  • Minimum credit score is required for purchase, rate and term refinance, or cash out refinance
  • All 1-2 unit properties maximum loan to value is 75%, all 3-4 unit properties maximum loan to value 70%
  • Reserves required equal to 6 months principal, interest, taxes and insurance for subject properties.
  • Can finance up to 2 investment properties

Evoke Bank specializes in helping customers build their dream home. Our Construction Loan Program provides short-term financing for a specified period of construction with “interest only” payments up to a maximum of 12 months. Upon completion, the bank will refinance the home for the long term in the appropriate loan program.

A home equity credit line allows a homeowner to borrow against the equity in their home with specific limits and terms. This is an open-end loan with the ability to borrow and repay funds as needed for a variety of purposes.

  • Up to 90% maximum Loan to Value for eligible borrowers
  • Loan term of 10 years
  • Requires a minimum monthly payment of principal and interest if there is an outstanding balance Interest may be tax deductible (consult your tax advisor)
  • $10,000 minimum loan amount
  • Convenient access by check, online banking, or at one of our branches
  • Only available on 1-4 family owner occupied dwellings