A home mortgage loan gives you the financing you need to purchase a house and pay for it over time. Buying a home is one of life’s biggest milestones, so you deserve a lender who knows you, guides you, and celebrates with you along the way. At Perennial Bank, you’ll work with real, local, loan officers who understand your goals, offer competitive rates, and are easy to reach whenever you need us. Whether you’re buying your first home or your forever home, we make the mortgage process simple.

A home equity loan lets you borrow against the value you’ve built in your home. It provides a lump sum of cash that you can use for projects like home improvements, debt consolidation, or major expenses usually at a lower interest rate than other types of loans.

Construction loans give you the financing you need to build a new home or complete major renovations. Funds are released as the work is completed, and once construction is done, the loan typically converts into a permanent mortgage.

A bare land loan helps you purchase vacant land, whether for future building plans, farming, recreation, or investment. These loans are designed specifically for land-only purchases and have terms tailored to the unique nature of land financing.

Cabin or Second Home loans help you buy a vacation property, lake cabin, or second home. They function similarly to a standard mortgage but are tailored to the unique requirements and usage of a non-primary residence.

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.