Services
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Mortgage  

We are here to help you find the solution that is best for you!

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

   

Buying a new home or refinancing? We have a solution for you!

  • Fixed Interest Rate
  • Loan Terms of 10, 15, 20, 25, or 30 Years
  • No Pre-Payment Penalties
  • Escrow account established for the payments of real estate taxes and insurance
  • 20% Cash Down Payment/Equity required to Avoid Mortgage Insurance
 
   
Preferred Home Equity Line of Credit  
   

Access to the Line of Credit is as easy as writing a check. Effective way to leverage your home’s equity for home improvements, to consolidate debts, for education expenses or any worthwhile purpose! Competitive variable interest rate and No Closing Costs*.

*Appraisal and/or title insurance, if required, paid by borrower.

 
   
Owner Builder Mortgage  
   

You want to be the contractor of your dream home? We know exactly what you will be experiencing and want to help you through the entire process.

 
   
Home Equity  
   

Consolidate your debt, remodel your kitchen or make an addition to your home.

  • Fixed Rate and Payment for Term of Loan
  • Terms From 12 to 180 Months
  • Maximum Loan Amount is Computed at 80% of Appraised Value not to Exceed $250,000
  • Appraisal required (fee paid by borrower )
  • Title Insurance required for loans in excess of $150,000
 
   
Full Contract Construction  
   

Your ready to build your dream house. We will be there for you during the planning, building, and finishing phases.

  • Flexible Disbursement Schedule
  • Twelve Month Construction Period
  • Interest Only Payments During Construction
  • Customized Payout Schedules Available For Home Improvement Projects
  • Borrowers Approve All Scheduled Phase Pay-outs Prior to Bank Disbursements
  • Draws Subject to Approval By UCC Code Enforcement Officer
  • Free Inspections
  • Lot/Acreage - Financing Available
  • Specializing in Log and Modular Home Construction

All construction mortgages will be given a one year construction phase and the amortization will be based on the remaining term of the note period.

 
   
First Time Home Buyer  
   

Looking for your first house? We will help you through the purchase process and be there for you after you have made your new house a home!