Home Mortgage Loans
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!
Details
- 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
Refinancing
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