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Home Loans

There's No Place Like Home

We offer options for home purchase, home building, and home improvement.  Our local, experienced lenders can guide your through each step of the process.  Let us help make your dreams a reality!

Mortgages

Buying, building, or refinancing a home is one of the largest financial decisions most of us will ever make. At MCNB, we can help you reach your goal with flexible loan programs and competitive rates. Let our local mortgage professionals take the mystery out of the financing process.

Fixed Rate

  • Variety of terms available
  • Up to 100% financing
  • First-time home buyer programs

Adjustable Rate

  • Low interest rate fixed for initial period
  • Rate adjusts periodically thereafter based on published index

Construction

  • Flexible draws during building phases
  • Fixed rate during construction period
  • Monthly interest payments on outstanding balance

Home Equity Loans

Enjoy the convenience of MCNB’s Home Equity Line of Credit. Tap into your home’s equity (the difference between your home's current market value and your mortgage balance) for a smart way to finance yourself. The variable rate interest may also be tax-deductible. (Consult your tax advisor.)

Use your home equity line for

  • home improvements
  • education
  • vacations
  • auto financing
  • taxes
  • debt consolidation
  • unexpected expenses