MORTGAGE BANKING

At Guaranty Savings Bank, “We build a better mortgage”.

* Residential *Investment *Construction *Renovation

Loan Programs

Fixed Rate Mortgages

• Owner - Occupied 1 to 4 Family Dwellings, PUDS, Second Homes, Investment Properties, Approved Condominiums
• Purchases and Refinances - Primary and Investment
• Conforming and Non-Conforming Loans
• Cash Out Refinances
• Loan terms up to 30 years
• Click here for our rates

Adjustable Rate Mortgages (ARM’s)

• Purchases and Refinances
• Lower initial interest rates
• Click here for our rates

Construction and Permanent Financing - For those building their own homes, we offer a combined package of construction only or construction & permanent financing featuring:

• Flexible Construction Term
• Quick turnaround on Draw Requests
• Interest Only Charged During Construction Period
• Click here for our rates

Home Equity Loans & Lines of Credit – Home Equity Loans/Lines can be used for a variety of needs.

• Loan to values up to 90%
• Interest Only payments - upon approval
• Rates based on the Prime Index
• Lender-Paid Closing Costs (in most instances)
• Interest may be tax deductible (consult with your tax advisor to verify your eligibility)
• Can be combined with your First Mortgage Loan through Guaranty Savings Bank for Maximum flexibility
• Click here for our rates

Renovation Loans – Used to enhance your existing Primary Residence or to purchase a Primary Home that needs renovations.

• The lesser of 90% cost to acquire plus renovations or 80% Appraised Value
• Interest only payments for the first six months
• Convert to permanent financing after the renovation phase
• Click here for our rates

Residential Lot Loans

• Up to 80% Loan to Value
• Minimum down payment
• Up to 15 year term
• Click here for our rates

For a Free rate quotation and qualification analysis, please call one of our Lending Professionals at Guaranty Savings Bank 504-828-4327.

Click here to find out how to contact us.

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