Skip to content

Get a competitively low mortgage rate and flexible terms to open the door to your new home. The Clay City Banking Company understands the importance of your purchase — which is why we provide dedicated, personal attention throughout the home-buying process. Don't go across the country to finance a home right here in Southeast Illinois — where we make all our loan decisions locally!



  • Available for primary residence, second homes, vacation homes, or investment properties
  • Convenient mortgage options
    • Fixed rate mortgage
    • Balloon mortgage
  • Competitively low interest rates
  • Flexible terms to fit your home-buying budget
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local Southeast Illinois decision-making
  • Dedicated, personal attention

Start Your Path to Homeownership!

  • Step 1: Pre-qualify to determine the mortgage amount you can afford
  • Step 2: Determine the appropriate type of loan for your needs
  • Step 3: Compare the current interest rates and fees
  • Step 4: Visit any location to obtain a mortgage loan application

If you have equity in your home, now may be the time to refinance. Refinancing can help you:

  • Lower your monthly payments
  • Pay off your mortgage more quickly
  • Lock in a lower rate
  • Consolidate debt
  • Complete the remodeling or renovation project you've been contemplating
  • Find the funds to upgrade your everyday purchases

The Clay City Banking Company can make this easy. You can get the refinancing process started using three basic steps:

  • Step 1: Determine the rate you are paying on your current mortgage
  • Step 2: Contact one of our loan officers to get customized rate quotes and to determine the closing costs associated with refinancing
  • Step 3: Visit any location to obtain a mortgage loan application