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Homeownership is within reach. Choose between fixed or variable rates — we’ll work with you to find the perfect payment plan.

Key Features

  • Competitive Rates
  • Free Pre-Qualification
  • Refinancing Available
  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, or investment properties
  • Loans up to 95% of the purchase price or appraisal value, whichever is lower
  • A wide range of terms customized to your unique situation:
    • Choose from 15, 20, and 30-year terms
  • A wide range of financing programs available:
    • Fixed rate mortgages or adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • First-time homebuyer specials
    • Manufactured homes
    • Construction Loans
    • Land or lot loans
  • Low closing costs
  • Free pre-approval for extra confidence when it comes to securing financing
  • A variety of payment options available:
    • Make payments online through Express Transfer, or
    • Set up automatic payments
  • No prepayment penalty
  • Helpful loan advisors with working knowledge of the local real estate market
  • Local decision-making and processing
  • Personal, friendly service from your community bank

Learn More

Visit our home mortgage resources page for some great tips.

Meet our mortgage and home equity lenders.

Building your home from the ground up is a whole lot easier when you have local experts right around the corner. Transition from the construction phase to mortgage payments with the help of The Savings Bank.

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 contact us at (740) 474-3191 or 1-800-582-2265.

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • 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
  • Payments are made on the amount drawn on your loan sufficient to pay your builder