Mortgages

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NMLS# 462552

Real estate is your single most important investment. SmartBanking Real Estate Loans are tailored to fit the needs of our customer. A real estate loan can be used to:

  • Purchase a home
  • Refinance an existing mortgage loan
  • Construct a new home
  • Purchase investment property
  • Make home improvements
  • Cash out equity for college, vacations or consolidating debt

Trust the banking experts at The Savings Bank with your real estate loans. Local decision-making allows for a timely response to your request.

The SmartBanking Real Estate Loan Advantages

  • Competitive rates
  • Flexible terms
  • Low closing costs
  • Loans serviced by The Savings Bank

Fixed Rate Mortgage Loan

  • Loans to purchase residential or non-residential real estate
  • Loans up to 80% of the purchase price or appraisal value, whichever is lower
  • Fixed rate loans allow for stable principal and interest payments over the life of the loan
  • No prepayment penalty

Vacant Land Loans

  • Loan proceeds can be used to purchase the ideal building lot or farmland
  • Fixed rate terms available

Construction Loans

  • Loan proceeds will be used to build that dream home
  • One closing – construction loan converts to permanent financing automatically
  • Competitive fixed interest rates and terms
  • Interest only payments during construction period followed by monthly payments of principal and interest
  • Convenient process allows for timely distribution of construction draws for borrower and contractor


If you would like to apply for a real estate loan today or if you would like to discuss your options with a Loan Officer, please visit our Main Branch in Circleville, our Downtown Branch in Ashville, or contact us at (740) 474-3191 or 1-800-582-2265.

Mortgages | Equity | Consumer | Business