The perfect home begins with the perfect location.

Assumptions and Examples

Residential Land Loans

A representative example of payment terms are as follows: A loan amount of $50,000 with a 65% loan to value (ltv) and an APR of 9.46% would have 59 monthly payments of $514.46 and a final payment of $40,712.72. These calculations are based on a 15 year amortization with a 5 year balloon payment. A loan amount of $50,000 with a 65% loan to value (ltv) and an APR of 9.32% would have 60 monthly payments of $1,037.79. All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Rates and terms are subject to change without notice. Other terms available. Minimum loan amount is $15,000.

The bank offers loans to purchase unimproved residential land with up to 65% financing available to qualified borrowers.

Residential Lot Loans

A representative example of payment terms are as follows: A loan of $50,000 with a 15 year amortization and a 5 yr balloon payment, a 80% loan to value (ltv) and an APR of 8.96% would have 59 monthly payments of $499.59 and a final payment of $40,377.65. A 5 year loan of $50,000 with a 80% loan to value (ltv) and an APR of 8.82% would have 60 monthly payments of $1,025.69. All loans and lines of credit are subject to credit approval, verification, and collateral evaluation. Rates and terms are subject to change without notice. Other terms available. Minimum loan amount is $15,000.

The bank offers loans to purchase unimproved residential lots with up to 80% financing available to qualified borrowers.

**APR is the Annual Percentage Rate. APRs quoted assume excellent borrower credit history and reflect a .25% discount for auto-debit of the monthly payment from any bank account. We will set your APR based on your circumstances, including your credit history, loan amount, and internal credit criteria. Lending area and other restrictions apply.

¹Military rate discounts are for military customers and are available on fixed rate consumer loan accounts. Not available on consumer lines of credit, HELOC, mortgage or construction loans or any business loans. A military customer is any Retired or Active Duty service member, Reserve/National Guard Member, Veteran, ROTC or Academy Cadet, or dependent (immediate family member), and Department of Defense Civilian and Contract Personnel.