Mortgage Loans

A mortgage loan permits the borrower to spread the cost of buying or building a home over a period of years. The debt is secured by a lien on the property.

How It Works:

The customer completes a mortgage loan application. The loan officer orders a credit check, appraisal, and verifies the application. The loan package is reviewed and a decision is made. If the loan is approved, a title check and appropriate insurance are required before closing.


  • Quick approval
  • Fixed rate or variable rate
  • Automatic payment from checking available
  • Normally closed in 2-3 weeks from date of application
  • 80% Loan to Value
  • Low fees
  • Interest may be tax deductible
    • Consult a tax adviser regarding the deductability of interest


  • Convenience
  • Budgeting
  • Lower monthly payments
  • Convenient
  • Quick and easy
  • Affordable
  • Tax saving


Our Mortgage Lenders are Ready to Serve You:

Zola Howell

NMLS# 783936



Lafe Hinkle

NMLS # 781773

Louisa - Main Street


Jay Baker

NMLS# 60301

Louisa - Yatesville Crossing 



Doris Parsley

NMLS# 781774

Louisa - Yatesville Crossing


Inez Deposit Bank NMLS # 755754