Mortgage Loans
Charter Bank makes the home buying process smooth and worry free, whether you are purchasing your first home, would like to move to a larger home, or need to refinance your existing mortgage. At Charter Bank we offer:

• Competitive interest rates and closing costs
• Prompt, local loan approval
• Local servicing on some loan products

Fixed Rate Mortgage
A mortgage that provides for one interest rate for the entire term of the loan. Charter Bank has many programs available that may suit the needs of your special borrowing requirements.

Adjustable Rate Mortgage
These mortgages generally have lower beginning interest rates (and lower payments) than fixed rate mortgages. Typically a person who may only stay in a home for a short period of time may choose this product to reduce the mortgage costs during their limited stay in the home. Many borrowers choose this product to keep their mortgage payments at a minimum during the early years of a loan and if rates increase, the borrower’s income may also increase to help offset the impact on their budget.

Construction
Charter Bank helps customers build their dream home. The construction loan program provides short term financing for a specified period of construction with interest only monthly.

Unique Loans for Unique Circumstances
Charter Bank can offer a wide range of lending programs to meet almost every need. Lot loans, bridge loans, temporary financing, and investment property.

Consumer Loans
Charter Bank offers a wide variety of Consumer loan products to fulfill the needs of almost any borrower. Let your local Community Bank branch help you with your loan needs and see what “Local Money Working for Local People” really means.

Charter Bank Offers:

• Home Mortgage (Purchasing, Refinancing, or Improvements)
• Home Equity Lines of Credit
• Auto Loan (New and Used)
• Loan secured by savings products
• Overdraft Protection
• And more

For more details or to apply for a loan, stop and visit with us at Charter Bank.