Buying a home doesn’t have to be stressful. Let us help make your dream a reality.

While other banks may be more concerned about fitting you into one of their predetermined mortgage packages, we take a different approach. Being a community bank means caring about and providing for the people in our community. This is why we help each homeowner develop a custom loan plan that will meet their needs – not some corporate branch in another state. As Morgantown’s only local bank, we understand the unique real estate market in our community and can provide mortgage options that are tailored to our customer’s individual needs.

Want to learn more about our mortgage options? Call us today at 304-292-8411.

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Loan Types

First-time home buyer loans

Buying a home for the first time is exciting. To help make this happen, our First-Time Homebuyer program enables you to purchase your new home with a minimal down payment with a low fixed rate. Our program allows you to put down as little as 3% of the purchase price. Income limits do apply.

Low down payment & lower mortgage insurance premiums.

VA (veteran) mortgages

VA loans are mortgage loans guaranteed by the U.S. Department of Veterans Affairs (VA). The VA loan is designed to offer long-term financing to eligible American veterans or their surviving spouses.

No down payment & No mortgage insurance.

Fixed rate mortgage

Predictability can be a wonderful thing. Our fixed rate mortgages provide a consistent monthly payment for the length of the loan with loan terms ranging from 10 to 30 years.

Adjustable rate mortgage

ARM loan options feature a fixed rate for the initial term of 1, 3, 5, 7, or 10 years. After the initial term, the interest rate and payment can increase or decrease to reflect market conditions.

Lower initial rates than fixed rate mortgages. Excellent for a short term real estate investment.

USDA loans

The USDA Rural Development loan program is available for rural property buyers. Borrowers can purchase their new home with no money down and obtain a low 30 year fixed rate. Income limits do apply.

FHA Loans

The FHA program helps qualified low-to-moderate borrowers who are unable to make a large down payment on a home. Currently, the FHA finances up to 96.5% of the home purchase price. Mortgage insurance is required throughout the term of the loan.

Jumbo Loans

Jumbo loans are designated for home purchases that exceed conforming loan limits. These loans have fixed and adjustable rate options in excess of $453,100.

Construction Loans

Looking to build your dream home? Our construction loans enable you to make interest-only payments during the construction process and have the option of automatically converting into a monthly structured payment amount.

Lot/Land Loans

Buying land can be an excellent investment. We offer short-term interest-only loans or long-term up to 15 year competitive financing.

Home Equity Loans & Home Equity Lines of Credit

Need to make home repairs, pay off debt, make a purchase, or have a backup fund? Home equity loans or lines of credit allow you to borrow the equity of your home.

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