Mortgage and Construction Loans


We pride ourselves on earning the highest level of customer satisfaction by helping you make the right decision for your personal situation, giving fast approvals and superior service. We have several products for purchasing, refinancing, construction, home improvement, and debt consolidation, all of which have competitive rates, and most are serviced locally, right here in our bank.

Apply In Person: To meet with one of our experienced mortgage originators at any of our Hampshire and Franklin County locations for a mortgage pre-qualification or a mortgage application call 877-682-0334 to schedule an appointment.

Apply Online: Use the links below to complete our online mortgage pre-qualification application or our online mortgage application (purchasing, refinancing or home equity).

House Shopping? Click here for our online Mortgage Pre-qualification Application

Looking for the Full Application? Click here for our online Mortgage Application

Adjustable Rate Mortgage (ARM)
An ARM usually features a lower rate than a fixed rate mortgage, but the rate is adjusted periodically so your payments may fluctuate. Is it the right loan for you? We can help you decide by calculating the maximum amount you'll have to pay.

Fixed Rate Mortgage
With a fixed rate mortgage, the rate and your monthly payment will stay the same for the life of the loan. The rate on a fixed rate mortgage is generally higher than an adjustable rate mortgage.

Construction Loans
Any adjustable rate mortgage is available and only one closing is required!

Investor Loans
Available on 1 to 4 unit properties.

When to refinance
Come talk with us. We'll be happy to review your existing mortgage, your financial situation and current interest rates, to help you decide if it's a good time for you to refinance.

Click Here for Current Rates

Learn More on Saving 19 percent on Auto and Home Owners Insurance