Loan Programs
Guernsey Mortgage – a Department of The Guernsey Bank is an Equal Credit Opportunity Lender.
Almost everyone needs money at some point for a special purchase, a college education, a new home or a business need. Of course Guernsey Mortgage has all the loans and mortgages you'd expect from a full service financial institution. But we'll do something few other banks will do – we'll get creative and customize a loan program to fit your specific needs. *Just call and ask.
Click here to fill out and submit a secure loan application to Guernsey Mortgage. We'll call you back within 48 hours to discuss your options.*All loan products are subject to credit approval. Fees may apply. Call one of our Loan Officers for more information.
Home Equity Loans
A Home Equity Loan is a great way to get the cash you need for home improvements,
vacation, school tuition, debt consolidation, anything! Be sure to consult
your tax advisor as special tax benefits may apply. Choose this type of
loan for a fixed rate, fixed term and/or fixed payment. Receive a Home Equity
Loan up to 100% of the value of your home. Conditional approval within
24 hours. Enjoy the convenience of Auto Pay and have funds automatically
withdrawn from your checking account to make your loan payments.
Home Equity Lines of Credit
Enjoy the financial freedom that a Home Equity Line of Credit has to offer.
There is no need for a lengthy application process each time you need
cash. Simply write a check to access your line of credit. You can borrow
against any part of it or the full limit at one time. Since this is a
revolving line of credit, as you pay down your principal balance, those
funds become available to use again. Receive a Home Equity Line of Credit
up to 100% of the value of your home. Conditional approval within 24 hours.
Be sure to consult your tax advisor as special tax advantages may apply.
Home Loan Services
Tired of paying rent? Finally found that dream home you have been wanting?
Let the friendly people at The Guernsey Bank help you put it all together!
Lending decisions are made locally by people who understand your needs.
We want to help you find the right loan with monthly payments you can
afford. We also offer competitive closing costs.
Purchase
We can help you with your purchase whether it is a personal residence, second home or investment property such as a duplex or apartment building.
A variety of loan products are available for you to purchase that new home. Maybe an Adjustable Rate Mortgage (ARM) with an interest rate that adjusts annually is right for you. With a 3/1 ARM, the interest rate is fixed for the first 3 years of the loan and becomes adjustable each year on the anniversary date of the loan. Enjoy a low interest Fixed Rate Mortgage available for 15, 20 or 30 years. Or, you may desire 5, 8, 13 or 22 years. Whatever you need! First time home buyer? Purchase your new home with as little as 5% down or less plus closing costs.
Don't spin your wheels looking for a new home you can't afford. Take advantage of the pre-approval that is available for a mortgage loan.
Less than perfect credit? At The Guernsey Bank, we use a creative approach to lending for hard-to-fit needs. Our Loan Officers ask the right questions to determine the right loan for you.
Refinance
Whether you want to improve your interest rate, consolidate debt or just need extra cash, consider refinancing your home at Guernsey Mortgage - a Department of The Guernsey Bank. Maximize the cash-out available on both your personal and investment properties. Up to 100% loan-to-value for qualified homeowners. Realize a low interest Fixed Rate Mortgage for 15, 20 or 30 years. Refinancing your home can provide cash for virtually any need!
Construction
New home construction loans are available! Talk with a Loan Specialist today.
The Guernsey Bank is an FHA/VA approved lender. We also offer other bank loan products. Please contact us for more information at 614-547-1570.
