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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.

No-Money-Down Loans

With little or no money up front, plus the option to roll any closing costs or pre-paids into the mortgage loan, you gain flexibility in the home buying process.

Construction Loans

Want to build your perfect custom home? TheBANK’s Construction Financing is the answer. TheBANK’s Lot Purchase and New Construction Financing can make your dream home a reality.

Non Warrantable Condo

TheBANK has a special Condo Financing program to make your condo ownership a reality.


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.

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.

Purchase/Rehab Loans

A Purchase/Rehab Loan from TheBANK provides the financing to purchase the home, and the funds to rehab it.


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.

Bridge Loans

A Bridge Loan from TheBANK allows you to use the equity in your current home to get the financing you need for a new home.

Home Improvement Rehab Loans

Add on living space or make improvements to an existing home with a Home Improvement/Rehab Loan from TheBANK. 

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!