Mortgage Loans

We know lending isn’t just about a loan, it’s a means to achieving your dream home.

So whether you are buying or building, our team of lenders is here to help guide you through every step of securing the right loan, and at the best possible rates.

 

MEET THE TEAM

 


DAWN CARTER
NMLS #2244368

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TOM REAY, JR.
NMLS #466877

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JO ANN BOHNENSTIEHL
NMLS #646401

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We’re invested in making our community stronger and providing the best experience for our clients. Smaller Bank, Bigger Service, Stronger Community isn’t just a tagline; it’s a promise. We’re committed to:

  • Quick response times and efficient services
  • Accessible sales and operating personnel
  • Competitive interest rates
  • Accuracy in all information
  • No surprises
  • Competitive closing costs

 

Mortgages

Our Mortgage Lending Team specializes in the following:

  • Conventional Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • In-House Balloon Mortgages
  • Second Position Mortgages
  • Plus, USDA, VA & FHA Loans

*All loans are subject to credit approval.

Purchasing and Refinancing

All of our lending tools are designed to provide multiple purchasing and refinancing programs to meet your financial needs; whatever your goals:

  • Purchase – New or existing home
  • Purchase – Second home
  • Purchase – Investment property
  • Purchase – Land
  • Refinance–Your residence to lower interest rate
  • Refinance –To access equity (cash out)
  • Lot construction and permanent financing