Our home equity lines of credit 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
• Consolidating debt
• Paying off a credit card balance while lowering your cost of borrowing

Give us a call or stop in today for more information.

Products & Programs

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

Products & Programs

• Flexible terms
• Quick turnaround
• Competitive rates
• New or used vehicles

From lot financing to construction loans to the end mortgages, we can help you with our competitive rates. 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 be competitive. Please contact a loan officer for more information
• 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 a 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 title company lien waiver exam fees (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

*75% of the appraised value for loans > $1,000,000

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 our Residential Mortgage Lender.