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Types of Loans

Offering a wide-variety of financing options to meet your needs.

Fixed and Adjustable-Rate Mortgages*

Whether it’s for your principal residence, an investment property or a vacation home, we offer:

  • Conventional and jumbo loans
  • Long-term rate rocks

Some of our most popular products include:

Fixed Rate Mortgage

The traditional fixed-rate mortgage has a constant interest rate and monthly payments that never change over the life of the loan. Longer-term fixed rate mortgages are generally suitable to the borrower who plans on staying in the home for generally greater than 7 years and likes the consistency of the fixed principle and interest payment.


Your interest rate and monthly principal and interest (P&I) payments remain the same for an initial period of time, then adjust annually. Borrows selecting these types of mortgages, typically benefit from the lower initial rate and expect to move or refinance within a few years.

Construction-to-Permanent Financing

If you are looking to build and finance your primary residence or vacation home, this type of loan will help you demolish an existing home and build a new one in its place; buy a lot and build; or finance major renovations to your current home. BMT has flexible programs offering interest only payment options during construction. It all starts with the ease and convenience of a single closing, which can dramatically reduce expenses. At the end of construction, your loan converts to a permanent mortgage and you save time and money.