Buying, building, or refinancing a home is one of the biggest financial decisions you’ll ever make — and Perennial Bank is here to make it easier. Our experienced team takes the worry out of the process by helping you find the right loan for your goals and guiding you every step of the way.

In House Mortgage Loans

If you’re looking for flexibility and local service, an in-house mortgage loan from Perennial Bank may be right for you. These loans are perfect for:

• Non-traditional properties

• Rental or investment homes

• Borrowers who plan to stay in the home short-term

• Anyone who prefers to keep their loan with a local bank

With competitive interest rates and low closing costs, our in-house mortgage loans can save you money upfront. Because we service your loan locally, you’ll always be able to speak directly with someone you know and trust.

Options include:

• Purchase

• Refinance

• Construction

• Home Equity

• Bare Land or Lot

• Rental Property

• Second Home or Cabin

Secondary Market Loans

These conventional loans offer fixed rates and flexible terms ranging from 15 to 30 years. For qualified borrowers who don’t have a large down payment, we also offer Guaranteed Loans through the USDA Rural Development Program — helping make homeownership possible for more families in our community.

Key benefits:

• Stable, long-term monthly payments

• Competitive fixed interest rates

Options include:

• Purchase

• Refinance

• USDA Rural Development Program

Mortgage Resources: 

• Consumer Financial Protection Bureau-Tools for Homebuyers
• Uniform Residential Mortgage Application – BORROWER APPLICATION
• Uniform Residential Loan Application – ADDITIONAL BORROWER APPLICATION

The above rates are for illustrative purposes only. They are based on the Annual Percentage Rate (APR) indicated for principal and simple interest with a term of 30 years. We offer a variety of mortgage plans.