At Jackson Bank & Trust, we offer a variety of loans. Whether your loan needs are business or personal, large or small, long-term or short-term, we are ready to talk with you about how our loan services can meet your needs.  Let us help you find financing appropriate for your situation. 

• Conventional Mortgage Loans
• Adjustable Rate Mortgages (ARMs)
• Construction Loans (Owner Occupied)
• Construction Loans (Contractors for Resale)
• Construction / Permanent Loans
• Home Equity Loan
• Line of Credit - Personal or Business
• Commercial Loans
• Automobile / Mobile Home / Recreational Loans
• Personal Loans
• Overdraft Protection
    

Conventional Mortgage Loans – Jackson Bank & Trust offers conventional home financing with fixed rates or several variable-rate options. With a fixed rate mortgage, your monthly payment and interest rate remain constant for the life of your loan. There is no penalty for early prepayment. Talk with us about the type of mortgage prepayment. Talk with us about the type of mortgage that best suits your budget and borrowing needs. 

• The amount or percentage of the down payment.
• The terms of repayment (using an example)
• The "annual percentage rate," using that term, and, if the rate may be increased after consummation, that fact.

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Adjustable Rate Mortgages (ARMs) – There is usually the added benefit of a lower rate for the first year of the loan. There are limits on rate increases during any single year and during the full term of the loan. There is no penalty for prepayment.

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Construction Loans (Owner Occupied) – Jackson Bank & Trust is your headquarters for construction loans. We pride ourselves in offering competitive construction loan products. That means we’re able to provide you with a short-term loan that lets you pay provide you with a short-term loan that lets you pay all of your construction debts in a timely manner. When your home is complete, we can conveniently convert your loan to long term financing.

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Construction Loans (Contractors for Resale) – Jackson Bank & Trust is recognized for the service that we provide to our contractors that build for resale. We have several construction loan options resale. We have several construction loan options to offer. Talk with one of our loan officers about to offer. Talk with one of our loan officers about the rates and terms that are available. 

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Construction / Permanent Loans - See Detailed Brochure (Our ONE TIME CLOSING, RATE GUARANTEE Loan)

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Home Equity Loan - See Detailed Brochure

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Line of Credit - Personal or Business – With our personal or business Line of Credit you can arrange for a pre-approved amount to be available when you need it. 

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Commercial Loans - Talk to one of our commercial lenders concerning your needs relating to the purchase of commercial real estate, construction of a commercial building, new equipment, investment opportunities, commercial lines of credit, etc. We are committed to helping you with all of your business loan needs.

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Automobile / Mobile Home / Recreational Loans – Jackson Bank & Trust offers complete financing service on all types of automobiles and trucks, including both new and used vehicles. We can also help you finance a new or used mobile home flexible terms and competitive rates. Jackson Bank & Trust makes all types of recreational loans... motor homes, travel trailers, campers, boats, off- motor homes, off-road vehicles, recreational equipment, even loans to take that “once in a lifetime” trip. 

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Personal Loans - Jackson Bank & Trust can make personal loans that are ideal for making major purchases, paying taxes, financing medical bills, or helping you and your family through an emergency. A personal loan can be used to consolidate several small debts into a single monthly payment. 

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Overdraft Protection - Overdraft protection is available to our checking account customers.

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