We offer fixed-rate home equity loans and variable rate home equity lines of credit. In addition to offering you some of the best interest rates around and low fees, we also provide superior service to ensure that you are completely satisfied.

Our home equity loans or lines can be used for a variety of purposes, may be tax deductible (consult your tax advisor) and provide a lower cost way to borrow for:

• Improving your home
• Purchasing a vehicle
• Paying off medical bills
• Funding education
• Consolidating debt
• Paying off a credit card balance while lowering your cost of borrowing

Products & Programs

• Fixed Rates (with flexible terms)
• Adjustable rates (with Prime Rate as index)
• Up to 80% loan to value
• Applicants must meet underwriting guidelines
• Your interest rate is set by the amount of your loan or line. 

From lot financing to construction loans to the end mortgages, we can help you get competitive interest rates in the marketplace. We also provide superior service to ensure that you are completely satisfied. Here is a summary of our Construction Financing programs:

Lot Financing Program

• Standard Alternative—For those of you who prefer to invest your cash in the lot at the time of the closing, but who do not wish to pledge assets beyond the lot, we will lend you up to 75% of the appraised value of the lot at the time of closing. Contact loan officer for details on unimproved property.
• Interest Rate—Your interest rate will reflect the loan structure that you choose from the two above described options. Either way, your interest rate will be very competitive. Please see the bank for rate and disclosure information.
• Term—We will be flexible with your loan term needs.
• Principal—We will bill you at maturity for the loan's principal. You can, however, pre-pay the principal without penalty, at any time.
• Contact Loan officer for further details.

Construction Financing Program

• Standard Alternative—If you elect to invest your cash in the lot at the time of the closing, but do not wish to pledge assets beyond the lot, we will lend you up to 80% of the appraised completion value of the lot/home package.
• Interest Rate—Your interest rate will be driven by the financing option you choose. We assure you that we offer competitive rates. Please see the bank for rate and disclosure information.
• Fees—There will be a title company lien waiver exam fee (this protects you and us from contractor liens), an appraisal fee, and customary recording costs. Other fees may apply.
• Term—We will structure your loan term to meet the timing needs of your particular project.
• Contact a Loan officer for further details.

End Mortgage Loan

Your home is a significant investment. Mortgage choices are dizzying these days. We want you to feel comfortable with your home financing arrangement. Our end mortgage loan alternatives are designed to meet your individual financial situation. For more information contact one of our Residential Mortgage Specialists.

Please download our construction/lot loan application form, fill it out completely and mail it to your nearest location or drop it off at the bank.

Products & Programs

• Overdraft Protection Account—Allows you to cover the unexpected opportunity or the occasional overdraft
• Flexible line amounts
• Competitive interest rates
• Requires Credit Approval

Please call or contact us for more information.

Products & Programs

• Flexible terms
• Quick turnaround
• Competitive rates
• New or used vehicles
• Loan to value up to 100% for new and up to 80% for used

Please call any of our convenient locations and talk to one of our friendly Personal Bankers for more information.

Thinking about purchasing or refinancing a home? We have a full-service mortgage team to assist you. Our products can be custom-designed to meet your individual needs, and they feature some of the most competitive interest rates in the marketplace. We also provide superior customer service with a personal touch.

Products:

• Pre-qualifications
• Fixed-rate mortgages with various terms
• Adjustable-rate mortgages
• Jumbo loans (up to $6 million)
• First-time homebuyer programs
• Interest-only loans
• Second home and investment property loans
• Second mortgage programs
• Expanded products for unique property types, credit situations, etc.
• Superior service enabling a quick close

Learn More

Have questions about your mortgage needs?

Contact us at any of our convenient bank locations and we will put you in touch with one of our knowledgeable mortgage loan specialists.