Easy Mortgage Loans

For those customers who seek shorter term loans with a lower loan amount we offer easy mortgage loans. Save on closing costs and get a lower rate all with the convenience of community banking. 

  • Owner occupied/refinance/ 1st lien position
  • Maximum total Loan to Value (LTV) 65%
  • Mortgage/Notice of Settlement recording fee paid by loan applicant
  • Consult with your tax advisor regarding deductibility of interest.
  • Property insurance shall be required.
  • Subject to credit approval
TermInterest Rate¹APR²MaximumMonthly Payment³
5-year fixed term 3.999% 3.999% $150,000 $1,841.61
10-year fixed term 4.500% 4.500% $150,000 $1,036.39
15-year fixed term 4.625% 4.625% $150,000 $771.40

¹ Rates as of 03/20/2018. Rates are subject to change without notice.  

² APR- Annual Percentage Rate  

³ The above monthly payment is based on a $100,000 loan. Escrow for taxes and insurance premiums will increase monthly payments. 


When applying for a residential mortgage loan the following items (where applicable) must be submitted to the Bank:

  • W-2’s for the past two years
  • 3 Current Paystubs
  • Filled out and Signed Borrower's Authorization Form (see attached)
  • Copy of Retirement checks or Social Security Benefits Statement (unless a direct deposit to DFSB deposit account)
  • Copy of Deed (Refinance)
  • Copy of Homeowners Insurance Policy (Refinance)
  • Copy of Property Tax Bill (Refinance)
  • Copy of Survey (Refinance)
  • Copy of Agreement of Sale (Purchase)
  • Copy of Three (3) months bank statements (Purchase)

If you are self-employed; please provide this additional information:

  • Tax Returns for the past two years
  • Year to date Profit & Loss Statement on the business.

Unless this information is provided the loan application will not be considered complete. The Bank reserves the right to ask for further financial disclosure after reviewing the application and submitted documents.

Apply Now   Borrower's Authorization

Financial Calculators

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.