Looking for a community bank who can help you and your family?
Start the search for your first home. Apply now for pre-qualification.
Ready for a fixer upper?
Does your next home have all the charm, but need a few updates? Turn that fixer upper into your dream home.
We know that rates and terms are one of the most important things when it comes to your mortgage.
We’ve got your competitive rates, terms and affordable payments right here. So stick around and take just a couple minutes to fill out our short, online application.
When it comes to making one of the largest purchases in your life, wouldn’t you rather work with a local bank that has loan officers who will treat you like a person, and not a number? We think you would. Our lending specialists are experienced and dedicated to finding the right loan for you. They call you back, they respond to your emails—because they know that buying a home isn’t an everyday thing for people.
In our mortgage service center, you’ll find useful resources and tools on different aspects of mortgage lending. Here, you can try out our various mortgage calculators to determine what purchase price is right for you.
Start talking with an Equity Bank lending specialist today!
Equity Bank: NMLS #438624
Ah, you like the challenge of a fixer-upper, don’t you?
Or maybe, you’re finally designing the bathroom or your dreams. Whether you’re fabbing or rehabbing your single family property*, once you’ve found your licensed and insured contractor, we’ll review and approve the contractor to seal the deal.
What you need to know.
The construction contract must include the improvements to be made, estimated timeframe, and total cost of improvements. Appraisal on purchase property is required and the property must appraise for no less than the purchase price plus equity of planned improvements. The appraiser will determine the final value of home taking into consideration the improvements to be made.
Maximum dollar of home improvements is limited to 20% of purchase price with a maximum amount of $80,000. Maximum loan-to-value is 90%. Maximum loan amount with improvements is $417,000.
At closing, a .10% investment is required from applicant. Loan requires a Home Improvement Escrow Account for funds provided for home improvements. Applicants are subject to credit approval by Equity Bank.
*Single family properties comprise detached homes, condominiums or townhomes.
Equity Bank: NMLS #438624
We have many mortgage options, and each is tailored to you.
Fixed Rate Mortgage
Looking for a constant interest rate and monthly payments that never change? Learn more.
Adjustable Rate Mortgage
Want the best of both worlds: lower interest rates and a fixed payment for a period of time? Learn more.
Home Equity Line of Credit
Sweat equity certainly has its payoffs, even before it comes time to sell your home. Get started today.
Resident Physician Program
We’ve got a personalized loan program designed exclusively for medical residents. Learn more.
Home Away from Home
Equity Bank's specialized mortgage for proud parents. Learn more.
Make it Fab & Rehab
You find a home, find your trusted contractor, and we can help.