Personal Banking Services

Personal Loans

When you're making a major purchase, you shouldn't have to wait long for an answer. All of our lending decisions are made locally. It is our goal to take care of you with courtesy, competency, concern, and with respect for your time and money. We offer loans for a variety of different needs including:

• Auto
• Boat
• Recreational Vehicles
• Debt Consolidation
• Overdraft Protection

Download an Application

Real Estate Loans

Your home is one of the most valuable assets you'll own. Our loan officers are here to assist you every step of the way, making the process easy and enjoyable. We provide sound solutions and will make sure there are no surprises or hidden fees. We have a variety of loans and will make sure to offer the one to best fit your needs.

Purchase
If you are in the market to purchase real-estate, we have a full range of mortgage products to meet your needs. We have mortgage solutions for the purchase of everything from your first home to a seasonal cabin on the lake, bare land, investment property, and more.

Refinance
There are many reasons to refinance your existing mortgage. Sometimes it's to obtain a better rate or shorten the term of your loan to save money over time. Other times it's to access the equity in your home for projects or major purchases.

Construction
Thinking about building a home? Our lenders will help you start off with a good foundation. We've got loans to fit your project.

Home Equity Lines of Credit
A home equity line of credit is a flexible way to access the equity in your home. Unlike mortgage payments, the line of credit payments are based on what you draw out, allowing you to pay down and re-advance funds throughout the term. This is a great option for projects that are done over time or unforeseen expenses.

Seasonal Homes
This beautiful area has a wide variety of seasonal homes available, and we will offer you that small home town banking experience you'd expect from a community bank. We're here to serve you in all seasons.

Land Loans
You found that perfect piece of land. We can help you own it.

Federal Housing Administration (FHA)
If you are looking for a lower down payment and mortgage, the FHA loan may be right for you. Our team is here to discuss your options and eligibility.

Veterans Administration (VA)
We are happy to be able to offer VA loans to eligible service members and their families to purchase a new home or refinance a current one.

Guaranteed Rural Housing (USDA)
USDA loans are a great option for a first-time home buyer. These loans are geared toward low and moderate income households and allow you to finance 100% of the purchase of a home, keeping the costs down. To find out more about this program, contact one of our loan officers.

To make the process easy and quick as possible, some of the information we will ask for includes:

• Application - Completed, signed and dated. If applicable, include divorce decree.
• Income Verification - Copy of last two pay stubs or income documentation showing year to date income for both the borrower and co-borrower.
• Income Tax Statements - Copies of last two years of Income Tax returns including all schedules and W2s. If self-employed, include business tax returns.
• Bank Statement - One-month complete bank statement to document where down payment and/or closing costs are coming from.
• Purchase Agreement - Legible copy signed by all parties which include the buyers, sellers, and realtor. Include any addendums to the purchase agreement and a copy of the realtor/seller listing information sheet on the property.
• Existing Mortgage Statement - If applicable.
• Insurance - Copy of homeowner's insurance if applicable.
• Real Estate Tax Statement - Copy of most recent statement.

Download the Prequalification Form

Contact Us

Don Knight

VP/Loan Officer
NMLS 402016

Email or call us at 218.741.9115.