Bravera Bank


Home Purchase or Refinance

Whether you’re a first-time homebuyer, are looking to downsize as you ease into retirement or are anywhere in between, we’re confident we can find the home loan that’s right for you. With local servicing and local underwriting, our experienced professionals can help you find the right loan to meet your needs.

We offer:

  • Conventional
  • VA
  • Federal Housing Administration (FHA)
  • USDA rural development
  • Jumbo
  • Construction loans
  • Bridge loans and vacant lot loans
  • Home loan program for physicians and medical professionals

Home Equity Loans + Lines of Credit

Tap into your home's equity to access funds for home improvements, debt consolidation or anything you happen to have your heart set on. We offer home equity term loans with a fixed payment and rate and home equity lines of credit. 

Mortgage & Home Ownership Resources

The process of buying a house is riddled with decisions. Use these tools to help make the right ones to prevent financial setbacks.

How It Works

Because mortgage payments divide the cost of the mortgage into monthly chunks for the length of the loan, it can be hard to assess how much you'll end up paying in total for your home, and with interest, the amount you pay can be a lot more than you'd think. This calculator will help you see how much your home will actually cost you.

Enter the price of your home as the Home Price. Move the Down Payment slider to the down payment you paid or will pay for the home. Move the Loan Term slider to the length of your mortgage loan and the Interest Rate slider to the interest rate. If you'd like to adjust the amount you pay for home insurance, property tax, or change the PMI, select Advanced Options.

How it Works

Carefully selecting a mortgage that you know you can afford will help ensure that you can successfully pay for your new home. This Coach session will guide you through setting a goal monthly mortgage payment and finding how much house you can afford. It will also explain the main factors that affect mortgage costs. To begin the Coach session, select Get Started. Next, follow along, answer questions, and provide information when asked.

Banzai Coach Session • 7 minutes
What Mortgage Can I Afford?

  1. Discover your ideal monthly housing payment.
  2. Learn more about mortgage loans.
  3. Calculate what size of a mortgage you can afford.

How It Works

A HELOC (Home Equity Line of Credit) is a line of credit that allows you to tap into your home’s equity and borrow against it. This calculator will help you estimate the limit you could be approved for. Start by entering the value of your home. Next, enter the outstanding balance (what you have left to pay including interest) on your mortgage. Finally, adjust the LTV ratio to see your potential HELOC. The LTV ratio is a percentage, generally 80-90%, that is determined by your lender.

Ready to get started?

Contact one of our mortgage experts by calling 877-483-6811 or by contacting us online. You can also get the home buying process started online.