Loans

Consumer Financing

Consumer Loans:
Whether you need financing to buy a car, ATV, RV, boat, or just need a small personal loan, the Family of Banks is here to help with your consumer financing needs.

Auto Loans:
The Family of Banks will finance both new and used cars. Get pre-approved and go shopping.

RV/ATV/Boat Loans:
If you need to finance your toys, this type of financing is available.

Signature Loans: Signature loans are available to customers who qualify for unsecured credit. Please call your local branch about Signature Loans.

Overdraft Lines of Credit:
Available to those who occasionally have overdrafts, but do not want to pay the fees. This is a good alternative .

Real Estate Loans

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Residential Real Estate:
All types of loans are available at the Family of Banks to meet your financing needs. Government guaranteed loans are also available (i.e. FHA, VA and RECD loans). We can also lend on manufactured homes not on foundations.

Construction Loans:
If you plan on building your new home, contact the Family of Banks. Whether you have permanent financing in place or need both construction and permanent financing, we can help build your next house. If you finance both loans with us, you may be eligible for discounts on fees. We also offer construction loans for manufactured homes.

Conventional Real Estate Loans:    
We offer competitive rates on financing for mortgages. Fixed and variable rates are available. Contact your local branch for more information on conventional real estate loans.

In-House Real Estate Loans:    

Sometimes properties and/or customers don’t conform to conventional (FNMA) standards. The Family of Banks attempts to finance those non-conforming properties on an in-house basis. Various terms are available.

Home Equity Lines of Credit:    
HELOCs are available for qualified borrowers. This is an outstanding alternative to credit cards, as your rate will probably be lower and the interest may be deductible.

Second Mortgages:
If a HELOC loan is not what you need, second mortgages are available. And the interest may be tax deductible (discuss with your tax advisor).