Cash Out Refinance

If you plan to use all of the funds from your Equity Loan in a single draw, like for a large single project or large purchase, a cash-out refinance might be the better option for you.


This option might also be best if you still have a first mortgage on your home and wish to have one payment rather than two, or you would like to have a consistent payment, or if you want to lower your current interest rate. Funds can be used for any purpose you like... Just like a HELOC! 

Ready to apply?

Call one of our experienced lenders for more information.
To see what you may need to bring, check out our application information below.

Apply for a Loan

We are proud to offer a variety of loans to help meet your financial needs. Our loan officers are ready to meet with you, and help choose the loan that is right for you.

Please contact a loan officer at any of our branches to apply for a loan.

When applying for a loan, you may be asked to provide the following documentation:

  • Last two years W-2s
  • Pay Stubs for the last 30 days
  • Last two year's federal tax returns 
  • Personal Financial Statement
  • If currently renting, landlord's name & address for past two years
  • Valid sales contract signed by both parties (if a purchase transaction)
  • Proof of insurance
  • If refinance, copy of insurance policy and copy of deed
  • Corporate tax returns for last two years if ownership is 25% or more (if a business loan)
  • Year to date Profit & Loss (if a business loan)

We can help with:

  • Purchasing a vehicle
  • Purchasing an RV, boat, 4 wheeler or motorcycle
  • Purchasing of Farm Equipment
  • Agriculture needs
  • Debt consolidation
  • Vacations
  • Home purchase or New Construction
  • Home improvements
  • Unexpected expenses

Loan types to meet your needs:

  • Auto Loans
  • Boat, RV, and Motorcycle Loans
  • Loans secured with CD's, etc.
  • Unsecured Loans
  • Real estate Loans
  • Lines of Credit
  • Commercial loans
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