Loans

Home Mortgage Loans | Home Equity Loans and Lines of Credit | Lot Loans
Construction Loans | Commercial Real Estate Loans

Home Mortgage Loans
Home Savings Bank offers Fixed Rate and Adjustable Rate loans. Fixed Rate loans offer the security of a fixed principal and interest payment with terms up to 30 years. Adjustable Rate loans are available at lower initial rates with potential rate and payment adjustments with terms up to 30 years.

Home Equity Loans and Lines of Credit
You can tap a valuable credit resource - the equity in your home. Borrow for whatever the reason – from consolidating high interest debts to purchasing a new car. We offer fixed rate home equity loans as well as revolving lines of credit secured by the equity you have in your home.

Lot Loans
Lot loans are available for the borrower who has plans to build within two (2) years. With a Home Savings Bank lot loan you pay interest only for a term of two (2) years.

Construction Loans
Home Savings Bank offers Construction/Permanent loans. Our construction/permanent loans allow you to avoid two closing costs. The advantage of having a construction loan and permanent loan is one application. You simply select one of our mortgage loan rates and terms. During the 6 months construction you are billed interest only on the funds advanced. At the end of the construction period, your loan becomes a mortgage loan for the remaining selected term.

Commercial Real Estate Loans
Your friendly hometown bank can assist you with all your business mortgage needs. Call for more information.