Mortgage Loans

Fixed-Rate Mortgage 

This is an ideal option for borrowers seeking consistency in their monthly payments and protection in a rising interest rate market.  This option is one of the most popular choices for homeowners.

Adjustable-Rate Mortgage 

With this loan, your rate is fixed for an initial term before being subject to changes in the market for the remainder of the term.  This option exists for buyers who do not fit the typical homebuyer mold by providing more flexibility in underwriting.

Construction Loan 

This is a line of credit that provides the borrower with the financing needed to build their dream home from the ground up.  Draw on the line of credit as often as needed, and only pay interest on what is drawn.

Mortgage Loan Refinance 

Refinancing is a great option for borrowers with existing mortgage loans to reduce their monthly payment, pay less interest or shorten the term of their existing mortgage loan.  Ask us about our no closing cost refinance option.

First-time Homebuyer Loan Programs 

Marion County Bank offers first-time homebuyer programs that allows borrowers to overcome many of the traditional barriers to home ownership. These programs offer benefits such as lower down payments, reduced interest rates, and assistance with down payment and closing costs.

USDA Rural Development Loans 

Offered through the U.S. Department of Agriculture, these loans help low-income borrowers find financing to purchase in rural communities.  Income limits apply and benefits include 100% financing and no private mortgage insurance.

FHA Loans 

These loans are another option for low-income borrowers.  Federal Housing Authority loans often include reduced down payment requirements and relaxed underwriting standards.

VA Loans 

This is a loan program that offers exclusive benefits to veterans and their families through the Veterans Administration.  VA loan benefits include zero down payment requirement and no mortgage insurance.

Home Equity Line of Credit (HELOC) 

Have the flexibility to buy what you need, when you need it! With a HELOC from Marion County Bank your home's equity can work for you.

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Home Equity Loans 

Fix it! Remodel it! Consolidate it! Trade it! Use the equity in your home for convenient, all-purpose borrowing. Benefits include flexible rates and terms, along with the potential tax deductibility of interest (consult your tax advisor for details). Regardless of the purpose of the loan, Marion County Bank’s home equity loans can give you the borrowing power you require, for the things you need.

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