Loans and Lines of Credit

Everyone needs a little help sometimes. Loans and lines of credit from Jefferson State Bank can help you buy a new house or even remodel the one you already own. Whatever your goals may be, you can take comfort in knowing we'll work with you to make the whole process simple.

Home Equity Lines and Loans

Your home equity can be one of your greatest financial tools. You can use it to consolidate debt, remodel your home or make any other large purchases. It's your choice. We're here to provide you the service and products that will help make it happen. And you may even be able to deduct the interest on your equity line or loan (consult your tax advisor for details).

Home Equity Line of Credit could be right for you if:

  • You want cash available when you need it,
  • Would like to draw from a reusable source of cash as needed,
  • You want the flexibility of a variable interest rate.

A Home Equity Loan could be the perfect financial tool for you if:

  • You know how much cash you need,
  • Want to receive the entire amount up front,
  • Like the security of knowing what your monthly payments will be and when the loan will be paid off.
Mortgages

Buying a home can be confusing and stressful. But it also can be extremely rewarding. Whether you're buying your first home, or your vacation home, we'll do everything we can to find the right mortgage product for you. And we'll provide competitive rates, affordable down payments and low closing costs.

Key Mortgage Products:

  • Competitive and flexible Construction/Perm loans
  • Lot Loans
  • 100% financing
  • Interest-only products
  • Bridge Loans

Make the process easier by having these things ready for your application:

  • Previous two years — W-2 and Tax Returns
  • One recent pay stub covering a 30-day period
  • Two recent checking and savings statements
  • One recent investing statement (401k, stocks)
  • Contract on new home
  • Construction specs, cost estimate and plan if applying for a construction loan
Personal Lines of Credit

Sometimes it's nice to know you have a little extra cash in your back pocket. A line of credit is a great way to add that financial flexibility to your life. Whether you need to pay college tuition or just have funds available for emergency expenses, a line of credit may be right for you. We'll help you decide. And we'll get you competitive rates and quick approvals to make the whole process simple.

Try our calculators.

Questions?
(678) 679-0442



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