A Home Equity Loan
may be your best source of borrowing especially since interest
paid may be tax deductible. This loan is a line of credit
secured by a residential mortgage. The Home Equity Loan has a 10
year term with rates as low as prime.
You may have a need for a loan for the
construction of a new home. Our one year construction loan is
for you. Permanent financing can be arranged. This loan has
interest only payments on the amount disbursed with a rate of
Prime + 1%.
You may qualify for a fixed rate
mortgage on your new home or a refinancing of an existing
mortgage. We offer a variety of fixed rate
mortgage loans that provide payments that are fixed for the life
of the loan.
If you are in the market for a new home
or are refinancing, our Adjustable Rate Mortgage may be what you need. The ARM
is available for a first or second mortgage. Take
advantage of today's extremely low rates.
Car, boat, or anything else you might
need can be obtained with our consumer loan program. Your
payments are fixed for the life of the loan, so you will know
exactly what your monthly payment will be.
Consumer Loans for US Military Members
We have a special loan program for members of the US military. As with our normal consumer loan program, your rates and monthly payments are fixed for the life of the loan and will not change. Military loan terms are flexible, and you can choose between a 1 year, 3 year or 5 year loan term.
Our commercial mortgage programs are
designed to fit your business plan and enhance your cash
flow. Our products are 1-year commercial adjustable rate
mortgages (ARMs), 5/1 commercial ARMs, fixed rate mortgages, and
commercial construction. These products are available for
your business property or for commercial investment
properties. We have extremely competitive rates, ranging
from the 1-year U.S. T-bill + 2.0% to prime plus. We can
lend up to 80% of the property value as well. Terms are
usually up to 180 months. This is one of our most popular
products. Find out why.
We have a loan to fit most business
purposes. A few of our products include vehicle and equipment
loans, asset based lending (accounts receivable and inventory
financing), and letters of credit. Rates are based on
prime plus. Terms are based on the type of security, and
range up to 60 months.
We try very hard to make our business
lines of credit flexible and to work in the best interest of
your business' cash flow. We do this through building a
relationship and understanding the nature of your
business. Lines may be unsecured or secured by business
assets or real estate. Rates are from prime to prime plus,
based on security and credit worthiness. Terms are usually
up to 12 months, renewable annually.
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