Mortgage or Home Equity Loans
In addition to low interest rates, you'll get local decision-making and service from a trusted community bank. We not only provide high-quality banking products and services, we do it rooted in the communities we serve. Our online mortgage tools provide you with a convenient online exprience for the best loan programs, and most current rates available.
Some of the loans we offer:
FIXED RATE MORTGAGE
This loan provides you with stability in knowing your rate and monthly payment will stay the same for the life of your mortgage, which makes budgeting easier.
ADJUSTABLE RATE MORTGAGE (ARM)
An ARM loan might be the right choice if you consider your house a starter home or plan on moving before you reach the time your loan will adjust, or if you tend to relocate every few years because of your job, and want to enjoy lower monthly payments.
CONSTRUCTION & RENOVATION FINANCING
For the borrower who plans to create and build their dream home. We offer several options:
Construction closing and then a simple modification, which usually features a 12-month construction period (for larger projects)
Renovation programs for smaller-scale construction needs
Want to talk to a mortgage officer?
An experienced loan officer will work with you to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.
Additional loans we offer:
HOME EQUITY LINE OF CREDIT
The most common source of renovation funds! Use the equity in your home to complete improvements, or take that same equity for use on college tuition payments, a new car, or a much need vacation.
These loans are tailor made for those who like to live life large. We have competitive rates on jumbo size mortgages, ask us today of this option might be right for you!
BS&L is proud to be an approved brokered lender for the Federal Housing Administration (FHA). The FHA is the largest insurer of mortgages in the world, insuring over 34 million properties since its inception in 1934.
United States Department of Agricultural (USDA) offers up to 100% financing and BS&L is proud to be one of their approved lenders to offer you their generous programs.
Meet Our Team