Whether you are buying a home, refinancing, purchasing a new car or building the house of your dreams, we have options. With our No Cost Online Pre-Qualification process, you will know exactly how much you can afford for your mortgage. Stop by, call or pre-qualify online today. Our experienced lenders are at your service!
Click here to for a list of what to bring when applying for a loan.
Purchase a new home or refinance your existing home with one of our many loan programs. Our programs include loans with low down payments and loans without mortgage insurance. Whether you are a first time buyer, self-employed business owner, or an existing homeowner wanting to buy up or cash out on your present residence, we have programs to fit just about every need.
FHA loans offer a 3.5% down payment for those with limited credit and limited down payment funds. They're perfect for the first-time home buyer or any buyer with limited resources. Ask one of our lenders to see if you qualify for FHA financing.
VA loans are government insured home loans with no down payment for our nation's Veterans and Military personnel*. Our VA loans are offered for both purchases and refinances and have no Private Mortgage Insurance. The credit underwriting is flexible and the interest rates are low. Purchases and refinances are for primary residences only and an honorable discharge form must be provided.
*Credit and income qualifications must be met. If the loan amount exceeds the value of the dwelling, interest on the additional amount is not tax deductible- consult a tax advisor
Looking for a loan to finance your child's orthodontics, buy a new furnace or put in that in-ground pool you've always wanted? Our Lifestyle Loans help you purchase those must-have's in life with a little more confidence and are designed to make your life easier. Stop in today to apply or to learn more about qualifying purchases.
We offer a wide variety of installment loans, some of the best in the area. These types of loans will get you where you need to go. The next time you are in the market to buy a car, motorcycle, boat or even a new tractor, stop in and see an experienced lender.
Finance your next car or truck purchase with us and receive a $50 gas card!
Click here to print the coupon.
The Vinton County National Bank is one of the few banks in the area to offer low down payments and attractive rates with minimal closing costs on land and vacant lot loans. We also offer longer term financing for those interested in purchasing larger parcels of land.
Got plans? From foundations to finish, you create the home, we'll construct the loan. We offer loans that take you through the construction phase of your home right through to the permanent financing you will need once your project is complete. If you are thinking of building a home or placing a modular home on your lot, we are a great place to begin ... and end.
We offer loans to purchase mobile homes and loan programs for mobile homes and land. Terms on these loans vary so please call to get the most up-to-date information.
This loan is ideal for your home improvements or other consumer expenses. Our equity line of credit offers you the flexibility to borrow money when you need it without coming into the bank. You can draw on your equity line by using a check. Rates are dependent on the amount of equity available in the home and the amount borrowed.
Just like our equity line of credit, this loan is ideal for home improvements and other consumer expenses. For those customers who want the discipline of a fixed payment amount, a home equity installment loan may be the answer. We offer various terms and rates.
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