• Personalized Service: Our experienced loan officers are dedicated to understanding your financial situation and helping you choose the best mortgage product.
• Competitive Rates: We offer competitive interest rates and transparent fee structures, so you know exactly what to expect.
• Local Expertise: as a community-focused bank, we have a deep understanding of the local housing markets in Randolph, Tucker and surrounding counties.
• Streamlined Process: We strive to make the mortgage application and approval process as smooth and efficient as possible.
• Trusted Guidance: From application to closing, we’ll be there to answer your questions and provide expert advice.

We offer a comprehensive range of mortgage products to fit diverse financial situations:

• Adjustable-Rate Mortgages (ARMs): Start with a lower interest rate for the initial period, which then adjusts periodically based on market conditions. Ideal for those planning to sell or refinance before the fixed-rate period ends.
• Refinance Options: Explore opportunities to lower your interest rate, reduce your monthly payment, or access your home’s equity.
• VA Loans: Exclusive benefits for eligible veterans, service members, and surviving spouses, including no down payment options and competitive interest rates.
• Construction Loans: Financing specifically for building a new home, often converting to a permanent mortgage upon completion.

Coming Soon:

• Fixed Rate Mortgages: Enjoy predictable monthly payments with an interest rate that stays the same for the life of your loan. Available in various terms, commonly 15, 20, or 30 years.
• FHA Loans: Government-insured loans designed to help low-to-moderate-income borrowers, often with lower down payment requirements and more flexible credit guidelines.
• USDA Loans: Rural development loans offer 100% financing for eligible borrowers in designated rural areas.

• Application: Complete a full mortgage application with the help of your loan officer.
• Processing: We’ll gather the necessary documentation and verify your financial information.
• Underwriting: Your application is reviewed to assess risk and ensure it meets loan guidelines.
• Appraisal & Title Search: We’ll ensure the home’s value is aligned with the loan amount and verify clear ownership.
• Closing: Sign the final paperwork, and the home is officially yours!