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Mortgage Loans

Fixed Rate

Assurance that you’ll pay the same principal and interest payment throughout the term of your loan. Even if interest rates rise, your competitive rate will remain the same—and at a term you choose.


If you’re looking to lock into a competitive rate but for a shorter term (up to seven years), a Balloon Loan will give you the flexibility you need. When it’s time to renew your loan, you’ll have the opportunity to lock in a fixed rate or renew your loan for another short term—possibly at a lower rate.


It doesn’t matter where you have your mortgage. By refinancing with us, you can either reduce the number of years it will take to repay or decrease your monthly loan payment.

Construction Loans

Time for your dream home to materialize? With a short-term construction loan you’ll have the money you need whenever your contractor needs it throughout the entire process. We can also roll your short-term loan into a mortgage after your new home is completed.

No Money Down Loans

We have several loan products that require little or no money down. In many cases the closing costs and prepaids can also be financed into the loan.

First Time Home Buyers Programs

We offer several First Time Homebuyer programs that are designed especially for those individuals purchasing their first home. These programs offer special financing terms to help make that first purchase more affordable.

Special Mortgage Funding Ask us how to qualify for special county and state goverment programs:

The Madison & St. Clair County's Community Development HOMEbuyer Programs Illinois League of Financial Institutions - Rural Development Homebuyer Program


Contact Us

Meet our Mortgage Loan Originators @ TheBANK!