Adjustable Rate Mortgages

Town & Country Bank has a variety of adjustable rate mortgages to fit the lending needs of each customer.

Features

  • Local servicing - make your payments here
  • A variety of terms are available
  • Competitive rates
  • No charge for the initial application and review
  • Pre-approvals available at the time of application
  • Escrow for taxes and insurance available
  • Lower down payment with the use of private mortgage insurance 1
  • Low closing costs
  • Local lenders
  • Seller contributions toward closing costs and pre-paids are allowed2
  • Gift funds are allowed
  • Great option for properties that do not qualify for the fixed rate market

  1Mortgage insurance company approval required. 2Program features are subject to change without notice. Additional restrictions may apply

       Contact A Local Lender


Fixed Rate Mortgages

Town & Country Bank's fixed rate mortgages are an attractive product for customers who wish to lock in one rate for the entire length of the loan.

Features

  • Local servicing - make your payments here1
  • Competitive rates and fees
  • Lower down payment with the use of private mortgage insurance 2
  • No charge for the initial application and review
  • Pre-approvals available at the time of application
  • Local lenders
  • Seller contributions toward closing costs and pre-paids are allowed3
  • Gift funds are allowed3

1Town & Country Bank retains the option to assign, sell or transfer the servicing of fixed rate loans. 2 Mortgage insurance company approval required. 3 Program features are subject to change without notice. Additional restrictions may apply.

       Apply Now       Contact A Local Lender

 

FHA

Town & Country Bank offers FHA loans which are a great fit for many first time home buyers who could benefit from a lower down payment and reduced closing costs. The Federal Housing Administration (FHA) has a number of loan programs to help you become a home owner, and we can help find you the right loan program to suit your needs. There are many programs and options to choose from.

Features

  • Fixed rate and high balance loan options
  • Low down payment
  • No income limits
  • No charge for the initial application and review
  • Pre-approvals available at the time of application
  • Local lenders
  • Seller contributions toward closing costs and pre-paids are allowed1
  • Gift funds are allowed1

1Program features are subject to change without notice. Additional restrictions may apply.

       Contact A Local Lender

 

USDA Loan

Town & Country Bank offers USDA loans to provide home mortgage options for low- and moderate-income households, giving those in eligible rural areas the opportunity to get into a home with no down payment.

Features

  • Local servicing - make your payments here1
  • No down payment required2
  • No charge for the initial application and review
  • Pre-approvals available at the time of application
  • Local lenders
  • Seller contributions toward closing costs and pre-paids are allowed2
  • Gift funds are allowed2

1Town & Country Bank retains the option to assign, sell or transfer the servicing of fixed rate loans. 2 Income limits may apply. Program features are subject to change without notice. Additional restrictions may apply.

       Apply Now       Contact A Local Lender

 

VA Loan

Town & Country Bank offers VA loans. VA loans are a great fit for Service members, Veterans, and eligible surviving spouses who wish to become homeowners.

Features

  • No down payment required1
  • No income limits
  • Credit scores as low as 6201
  • No monthly mortgage insurance premium
  • No charge for the initial application and review
  • Pre-approvals available at the time of application
  • Local lenders
  • Seller contributions toward closing costs and pre-paids are allowed1
  • Gift funds are allowed1

1Program features are subject to change without notice. Additional restrictions may apply.

       Apply Now       Contact A Local Lender

 


 

Home Equity Lines of Credit

Town & Country Bank offers home equity lines of credit, a great way to access available equity in your home to accomplish a variety of financial goals such as home improvement or college tuition, making the equity in your home work for you.

Features

  • Loan amounts from $10,000 and up
  • Three different term options
  • Monthly payments
  • Draws in increments as little as $100
  • Easy access
  • No charge for the initial application and review
  • Local lenders

       Contact A Local Lender

 

Construction

Town & Country Bank's construction loans are the ideal product for families who wish to build a new home rather than purchase an existing structure.

Features

  • Interest is fixed with monthly interest only payments during the construction period
  • Can be refinanced into an adjustable rate or fixed rate loan upon completion of construction
  • No charge for the initial application and review
  • Local lenders
  • Pre-approvals available at the time of application

       Contact A Local Lender

 

Refinancing

Whether you want to pay off your home earlier, adjust the length of your loan, move to a better rate, or get cash out for a specific financial need - our Lending experts can find the mortgage refinancing solution that is right for you.

For more information contact your local Town & Country Bank Lender.