| Personal
Lines of Credit
Auto Loans
Recreational Loans
Mortgages
Home Equity Loans
Personal Lines of Credit
A personal credit line is available to you through your HomeTown
Bank checking account. If your account should become overdrawn,
funds would transfer from your credit line in increments of
$250 up to your approved credit limit into your checking account.
There is an annual fee involved with this line, but the cost
is less than one overdraft. Stop in today to apply!
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Auto Loans
Buying a different vehicle? Stop in at your HomeTown bank
to apply for a vehicle loan that is designed to meet your
borrowing and budget needs. We offer:
- Competitive rates and terms – we can help you design
a payment plan that fits your budget
- Preapproval – fill out an application prior to shopping
for your vehicle so you can shop with the confidence that
you have the financing in place
- Fast, Personal Service – our loan officers will
be happy to answer any questions you may have and set up
a loan that is just right for you
- No prepayment penalties – Pay your loan off early
without any prepayment penalties
- Convenient payment options – We offer the option
of automatic payments from checking, payment coupons, or
pay online with bill pay
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Recreational Loans
Looking at a vehicle for some rest and relaxation or just
some fun? Come into HomeTown Bank and visit with one of our
loan officers. They would be happy to sit down with you and
work out a payment plan that works with your budget. HomeTown
Bank specializes in financing the following recreational vehicles:
- M otor home
- Camper
- RV
- Boat
- Snowmobile
- Motorcycle
- ATV
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Mortgages
Let our knowledgeable and experienced lenders assist you with
a home mortgage product that fits your needs!
To apply for a mortgage loan, you will need the following
information.
- Current 30-day pay stubs with year-to-date earnings
- Most current bank statement and investment statement if
applicable (including retirement accounts)
- If self-employed, your most recent income tax forms and
financial statements
- Completed credit application
Download a mortgage application here! Please complete and
return to a HomeTown Bank location.
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Home Equity Loans
Home Equity Line of Credit (HELOC) – A flexible line
of credit using the equity in your home as collateral. Once
established, you can borrow any amount up to your credit limit
whenever you want. The money is accessed by writing a check
from your HELOC account. Repayment is flexible; you can pay
the monthly interest only or include additional principal
payments. The interest on this loan may be tax-deductible
so contact your tax advisor to see if this applies to you!
Home Equity Loan – A fixed loan amount that has specific
payment amounts for a specific amount of time. This loan is
typically used for purchases that require a lump sum of money
up front and want a fixed interest rate and fixed monthly
payments. The interest on this loan may be tax-deductible
so contact your tax advisor to see if this applies to you!
Typical uses of Home Equity Loans include:
- Debt consolidation
- Vehicle or RV purchase
- Vacations
- Home Improvements
- Just about anything
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