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| Mortgage |
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We are here to help you find the solution that is best for you!
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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
- Account Established For The Payments of Real Estate Taxes and Insurance
- 20% Cash Down Payment/Equity required to Avoid Private Mortgage Insurance
- Single Mortgage Insurance Premiums Can be Financed
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| Preferred Home Equity Line of Credit |
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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. |
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| Owner Builder Mortgage |
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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.
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| Home Equity |
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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
- Processing Fee will Vary According to County
- Formal Drive-By Appraisal Required When Loan Amount Exceeds $50,000
- Formal Full Appraisal, Fannie Mae Form 1004, Required When Loan Amount Exceeds $100,000
- Title Report Required for Loan Amounts Between $30,000 and $100,000
- Title Insurance Policy or Title Certificate Required for Loans in Excess of $100,000
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| Full Contract Construction |
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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
- New Contractors Are Welcome
All construction mortgages will be given a one year construction term and the amortization will be based on the remaining term of the note period. |
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| First Time Home Buyer |
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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!
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| Personal |
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When you find something you just have to have or for that unexpected situation.
- Competitive Fixed Rate
- Terms From 12 to 24 Months
- Loan Amounts From $1,000 to $3,000
- No Collateral Required
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| Auto |
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Stop looking and get that set of wheels you have been wanting!
New Auto
- Terms From 12 to 60 Months
- Down Payment is 10% of Selling Price
- Maximum Loan Amount $40,000
Used Auto
- Down Payment is 20% of Retail Value Based on NADA Used Car Guide
- Interest Rate, Terms, and Maximum Loan Amounts Vary Based on Age of Vehicle
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| Mobile Home |
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When you find that mobile home, come and see us!
New Mobile Home
- Terms From 12 to 144 Months
- Fixed Interest Rates Available
- Maximum Loan Amount $25,000
Used Mobile Home
- Maximum Loan Term of 120 Months
- Maximum Loan Amount $15,000
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