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Types of Loans

Mortgage Loans
Buying a home is a big move.  As your local, reliable full-service bank, we are here to help.  We offer a wide range of loans with competitive rates and outstanding personal service.  Whether you are buying, refinancing, or building a home, you can take comfort in working with us.

Fixed Rate Mortgage
With this traditional choice, the interest rate is fixed for a long-term loan.

Mortgage Loans
We will work with you and your general contractor on financing, providing you with funds to buy a lot and/or build a home.

Home Equity Lines and Loans
Money, right under your roof.  As a homeowner, you can tap into the equity in your home for convenient borrowing - the amount you need, when you need it.  Use funds for tuition, investments, home improvements, vacations - or to pay off high-interest credit card balances.  Our Home Equities have competitive rates, easy payment options, and low application fees.  And remember, the interest paid on home equity loans is usually tax-deductible (ask your tax advisor for details).

Home Equity Lines of Credit
Have ongoing projects or expense?  A variable rate Five Points Bank HELOC could be the answer.  Save interest by borrowing only when you need funds.  Simply write yourself a loan by making out a check for the exact amount you need.  As you repay the amount you have borrowed, it becomes available again..

Home Equity Loans
Simple or one-time borrowing may call for a fixed-rate Home Equity Loan.  You borrow one lump sum, lock in a good interest rate and set up a predictable payment schedule.



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