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Mortgage Loans

Think of us as your personal 'dream team'—tell us your plans and we'll help you make them happen.

Compare Mortgage Loans

1-Year Adjustable Rate Loan

An adjustable rate mortgage (ARM) is a loan in which the interest rate and the loan periodically adjust based on a common index.

The interest rate on the ARM is usually the lowest rate offered by our bank.

Fixed Rate Loan

With a fixed-rate mortgage, the interest rate on the loan remains the same throughout the life of the loan.

As a result, the monthly payment amount is the same and the duration of the loan is fixed.

Construction to Permanent Loan

The ultimate loan if you are building a new home, it combines a construction loan with a mortgage loan so you only have one closing and one attorney fee.

Your construction loan becomes your mortgage when your building project is complete.

Home Equity Line of Credit

Enjoy having the flexibility of choosing when to borrow money, up to your approved credit limit, along with multiple options on how to access your line of credit.

Get a competitive, low variable rate which is usually tied to the Wall Street Journal prime rate.

Mortgage Calculators

Use our calculators to find the mortgage loan that is right for you.


Our loan officers:

Robin Bumgarner
Joan Jones
Kim Wilcox
Iris Millsaps


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Want to speak to us? Call:
Taylorsville: 828-632-4228
Bethlehem: 828-495-8201
Hiddenite: 828-632-4157