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At The Bank and Trust, we are committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and offer a variety of products to meet your unique situation. We make the process of securing a mortgage simple and straightforward by focusing on what is important, you.

Mortgage Lending
From buying or building a new home, to remodeling your current home, to property investing, The Bank & Trust mortgage specialists can help you make “money-smart” decisions.

Mortgage Options

Interim Construction Loans: Short-term financing for new home construction that can be converted into long-term, permanent financing upon project completion.

Conventional Loans: Financing for whether you have a down-payment of 5%, 20%, or more. Also available for the well-qualified, first-time home buyer, and are no/low down-payment products. Specific restrictions apply so ask for more details.

Home Town – Home Possible: With as little as 3% down and competitive loan rates, this is a great program for the first-time home buyer. We offer flexible underwriting guidelines for individuals who may not have established or traditional credit. Seller contributions are allowed. Decisions will be made locally in a timely manner!