Personal Loans

Consumer Loans
As a community bank, by definition we are here for the consumer. Whether you need funds for a short term or longer term we can help. We can help with everything from car loans, personal unsecured, education loans…..you name it. If a person needs it we can help.

• Terms of 1-5 years
• Fixed and floating rates
• Automatic payment options
• Credit history reported to agencies

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1-4 Residential
Single family loans have come under tremendous scrutiny of late. We do not offer 15 and 30 year mortgages and do not participate in any type of sub-prime or predatory lending. We make loans that make sense. First and second trust deeds fixed and floating. No cookie cutter in our bank. We can customer fit a loan to your needs. One that you can afford now and in the future.

• Purchase or Refinance
• Owner and Investment Properties
• Fixed and floating rates available
• Flexible terms and loan to values

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Equity Lines of Credit
Our Equity Lines of Credit are customer-fitted to your needs. If you need money for education, repairs, remodel even a weeding, this may be the way to go. We will work with you to meet your goals at the same time keep the cost down.

• Floating rates
• Competitive Loan to Value terms
• Flexibility on use of funds
• Flips to amortizing loan in 5 years

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Construction Loans
Looking to build a dream house, commercial center or even just a barn, we have the product for your. Each loan is as custom as the project you are building.  We can build a loan that works in almost every instance.

• Up to 75% loan to value
• Up to an 18 month term
• Interest Only
• Fees and interest can be financed
• Can convert to a term loan with no additional fees

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