Home Loan

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photo of house in town

Buying your home is one of the most important financial decisions you’ll ever make. Whether it’s your first home, a second home or investment/rental property, we have financing solutions to fit your needs as our service is personalized.

Our experienced loan officers take the time to evaluate your needs to create the best-possible mortgage product for you. We realize that it can be confusing to fully understand each program; this is why our loan officers will explain your options after reviewing your situation. 

Various products include:

Conventional Mortgage

  • Typical residential property for the area
  • Rental properties
  • Unique agreement and customized programs
  • Second mortgages; Refinancing
  • Offering a wide variety of competitively-priced 10-, 15- and 20-year fixed interest rates
  • Adjustable rates are available from 1-, 3- and 5-year with up to 30 year maturities
  • 80% loan-to-value to purchase property (pending usage of loan)

Freddie Mac

  • Typical residential property of 5 acres or less
  • Up to 95% loan-to-value (pending usage of loan)
  • No minimum loan size; Maximum loan amount is $510,400
  • As little as 5% down; Refinancing's welcomed
  • Offering a wide variety of competitively-priced 15-, 20- and 30-year fixed interest rates/Adjustable available
  • Unique agreement and customized programs

Forms

We do business the old fashioned way — by name and in person. For your convenience to start your process, you may download our forms:


Appointment

Feel free to call us to set up an appointment, or simply stop by the Bank. It’s a casual, relaxed atmosphere in Bath, West College Corner and Liberty. Make us your source for all of your credit and mortgage products. Our phone is 765-732-3022 (toll free at 800-463-7464.)


Escrow

With an escrow account the cost of real estate taxes, homeowner's insurance and similar items is automatically included in your monthly mortgage payment. When taxes, insurance premiums and other expenses are due, we'll pay them on your behalf. It helps with household budgeting, eliminates the possibility of forgetting to make important payments. Just ask us and we can explain this service for you.

 

All loans are subject to credit approval