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Lending Services

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Buying a home—first home, vacation home, dream home—may be one of the most important decisions you make. Your neighbors at Hometown Bank work hard to make home financing simple and hassle-free. We offer a variety of mortgage loans to make your new home purchase an easy one. As always, you can expect more from Hometown Bank—we make decisions locally and quickly.

Before you choose your dream home, it’s generally a good idea to meet with a lender to discuss your options and get pre-approved for a loan. You’ll gain an understanding of how much house you can afford, and this makes for a quicker closing when you finally do find that dream home.

Choose from a variety of fixed and variable rate mortgages, VA and FHA loans and more. Let us help you explore the best options to fit your needs.

To help us expedite your loan application, please bring the following documents with you when you visit us:

  • W2 forms for the past 2 years
  • Copies of most recent pay stubs for one full month
  • Copies of last 2 months’ bank statements
  • Two years of tax returns if you are self employed or a commissioned employee, if applicable.
  • The most recent award letter for pensions or Social Security, if applicable.
  • An itemized list of all monthly payments

Fixed Rate Mortgages

Hometown Bank offers fixed rate mortgages at current market rates with terms to fit your budget. You’ll know exactly what to expect every month, and your interest rate won’t change as market interest rates fluctuate. Conventional loans are available for both purchasing and refinancing a home.

Adjustable Rate Mortgages

An Adjustable Rate Mortgage, or ARM, offers a fixed rate of interest for a specified period of time. After the initial period, the interest rate, payment amount and terms can change.

FHA Mortgage loans

Fixed rate mortgages are administered by the Federal Housing Administration that typically require down payments as low as 3.5%, feature easier qualification, and offer other advantages. Let us help you determine if you qualify.

VA Loans

VA Loans are available to qualified veterans and active duty military persons guaranteed by the United States Department of Veterans’ Affairs. VA loans generally feature no down payments and financing up to 100% of purchase price without requiring mortgage insurance. Seller can pay all closing costs.

Rural Housing Loan Programs

Qualified applicants can finance 100% of the purchase price at below market rates on new and existing construction. There is no expensive monthly mortgage insurance and qualifying guidelines are flexible. (Subject to county income restrictions).

First Time Home Buyers

We want to help our neighbors become homeowners. We’ll work with you to help make that happen with a variety of programs to choose from designed specifically for first time home buyers.

Construction Loans

If you’re building, Hometown Bank offers competitive rates with a one-time close construction-to-perm loan option.

Home Equity Line of Credit

A Hometown Bank Home Equity Line of Credit lets you use the equity that’s been building in your home for home improvements, additions, education, travel, auto financing, major purchases and unexpected expenses. Once your line is approved, you decide when to use your funds—and how. And the interest you pay may be tax deductible, so be sure to ask your tax advisor.

Options for every situation:

  • First time homebuyers
  • Purchases
  • Self-employed borrowers
  • Refinancing
  • Veteran’s and FHA loans

Business Lending

Hometown Bank is your hometown bank, and we can respond to your needs quickly. Let one of our professionals help put together financing that meets the demands of your business. We can set up a Business Line of Credit or a package of loans, including Commercial Real Estate, Commercial Construction, Commercial Machinery, Commercial Auto, Inventory, Equipment, Accounts Receivables, Farm Equipment or Farm Real Estate loans.

  • Commercial Loans
  • Construction Loans
  • Business Lines of Credit
  • Letters of Credit
  • SBA Loans available