Home Mortgage Programs that Work for You

Landmark Bank offers you affordable home loans with low down payments for homebuyers.

Purchasing a Home with a Low Down Payment

If you’ve always dreamed of owning your own home, but didn’t think you could afford it, Landmark Bank’s mortgage program for first-time homebuyers can help make your dream a reality. We offer a variety of home loans to fit your lifestyle, including low or zero down payment options. And first-time home buyers who finance their home through Landmark Bank may qualify to receive a $700 credit toward their closing costs.* Here’s what you can expect from our professional home loan lending team:

  • We promise to keep you informed. When you work with us, you will learn about your home loan options, and we will work together to choose the one that's right for you.
  • We promise to find the right home loan for you. What works for one person may not work for someone else, so we take a little extra time to learn more about you.
  • We promise to maintain high ethical standards. A bank that's been around for nearly 150 years knows how to do business the right way. We will never engage in irresponsible lending practices such as sub-prime mortgages, negative amortization or teaser rates that astronomically increase after the first year.

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* Loans subject to credit approval. Some restrictions may apply

Quick, Convenient, Customized Home Loans

We currently offer several practical and affordable mortgage loan products ranging from traditional fixed rate mortgages to balloon loans. Find the one that’s right for you.

Fixed Rate Loans

Our most popular choice, fixed rate loans offer stable monthly payments and a set interest rate. It’s perfect for homeowners who don’t plan on moving anytime soon. With a fixed-rate mortgage, your total monthly principal and interest stay consistent throughout the life of your loan, making it easier to set and plan your budget.

Fixed-rate mortgages come in 15-, 20- and 30-year terms.*

Adjustable Rate Mortgages (ARMs)

Adjustable rate home loans may be a good option if you’re looking for more flexibility, a lower initial interest rate and lower initial monthly payments. After your fixed interest rate period ends, your rate will adjust periodically based on market conditions and the interest rate index tied to your loan.

Balloon Mortgage

Are you buying a new home, but know that your job or life circumstances may require you to move again in the near future? A balloon loan may be right for you. Balloon loans feature a low fixed rate over a short time period, with monthly payments based on a longer amortization period. At the end of the loan term, you have the option of refinancing, subject to approval. Balloon loans can be a good option for short-term borrowers because they typically carry lower interest rates than loans with longer terms.

How Much Mortgage Do I Qualify For?

*Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
Securities offered through Raymond James Financial Services, Inc., member SIPC/FINRA. View Raymond James' Privacy Notice.
Securities and Insurance products are: ♦ Not FDIC insured ♦ Subject to risk and may go down in value ♦ Not financial institution guaranteed ♦ Not a deposit ♦ Not insured by any federal government agency.
Landmark Bank and Landmark Bank Investment Services are independent of Raymond James Financial Services.
Investment products and services provided by Landmark Bank Wealth Management are not FDIC insured, not insured by any federal government agency, not a deposit or bank obligation, not financial institution guaranteed, subject to investment risk, including potential principal loss.

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