Other Mortgages


A fixed-rate loan that is ideal for when you want to borrow for a specific purpose.  Use it to remodel, add a new roof, take a vacation, consolidate bills, send the kids to college, pay for a wedding or anything you want.

We can finance up to 80% of the market value (appraised value), less your first mortgage balance.  Choose the term that works best for you.  We offer competitive rates and no points or application fees.  Check our Fixed-Rate Second Mortgage / Home Equity Loan rates.

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A pre-approved line of credit that’s readily available whenever you need cash in a hurry.  It’s perfect for unexpected mechanic’s bills, home emergencies, once-in-a-lifetime shopping opportunities, or virtually anything else.

A line of credit is always there, when ever you need it.  It’s pre-approved and you don’t pay anything unless you use it.

  • Prime Rate plus 1.0% APR* (subject to change quarterly)
  • No closing costs or annual fee
  • Credit lines from $10,000 to $300,000
  • 5 years to borrow, and an additional 15 years to pay
  • Interest rates are capped at 2.0% per year / 5% life of the loan.  This is a feature very few banks offer!

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For more information, contact our Loan Department by e-mail or by phone at  (407) 831-8844.


This is a type of streamlined second mortgage, where the purpose of the loan is specifically for home improvements.

  • No appraisal or title search
  • Very minimal closing cost
  • Maximum amount $20,000
  • Maximum term is 5 years

You will need to supply a copy of your last tax assessment bill and a copy of your warranty deed.

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For more information, contact our Loan Department by e-mail or by phone at (407) 831-8844.

*APR- Annual Percentage Rate


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