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Loans

Peace of mind lending solutions can help you purchase that house, vehicle, or pay for a key home improvement. Our lending staff is committed to helping you make smart decisions about your financial goals. We offer several lending products to fit your unique financial needs that feature competitive interest rates and superior local service. 


Fixed-Rate Mortgages

Offers predictable principal and interest payments for the life of the loan.

  • Low origination fees
  • No application fees
  • Fixed monthly principal and interest payments
  • Automatic payment options available
  • Escrow of property taxes and homeowners insurance available
  • No prepayment penalty
  • Local servicing (we won’t sell the servicing on your loan)
  • Purchases & refinances up to 95% loan-to-value with Private Mortgage Insurance (PMI)


Construction Loans

Flexible repayment terms from lot purchase to lot occupancy.

  • Interest only payment available during construction
  • Flexible, local draws
  • Refinance into a fixed-rate mortgage


Balloon Mortgages

Available for the purchase or refinance of your home with payments based on long term amortization with balance due at maturity.


USDA Rural Development Guaranteed Rural Housing Loan Program

  • Guarantee fee can be financed
  • Purchase transaction only
  • Geographic & Income limits apply


Second Mortgages

Use the equity you have invested in your home to help you make home improvements or pay off high interest debt.


Consumer Loans

Loans designed to meet your credit needs for that new or used car, recreational vehicle, or vacation.

  • Unsecured Consumer Loans 
  • Secured Fixed-Rate Loans
  • Installment Loans