Home Financing Options
Experience the community bank difference when purchasing a new home, refinancing your existing home, or letting your home equity work for you. Since many of our loan decisions are made locally, you can expect reliable service with faster closings and fewer delays, all at great rates and terms.
Traditional Home Loans
- Conventional (Fixed and ARM)
Home Construction LoansBorrow for the lot purchase or construction phase only, or consider saving money on separate closing costs by financing your new home with our construction to permanent one-time closing. You won't pay any interest until the funds are drawn, giving you a convenient and affordable way to meet ongoing building expenses. If you're purchasing a second home or vacation property, we also have experts who specialize in working with out-of-town clients.
Home Equity OptionsFor your next large purchase, use the value of your home to get the most favorable interest rates and terms available.
- Fixed Rate Home Equity Loan. Borrow what you need and pay it back over time with predictable payments and fixed rates that are often lower than typical consumer loans.
- Home Equity Line of Credit. Borrow what you need, when you need it. Get one-time approval on a set credit limit and only pay interest on outstanding balances, not the entire credit limit.
Mortgage RefinancingHow do you know when mortgage refinancing is right for you? You may want to simply lower your interest rate to improve cash flow or switch to a shorter term to pay off your mortgage quicker. Many people find that using the equity in their home is a great way to pay for home improvements, tuition, bill consolidation, or other life events. Your Mortgage Consultant can help you decide if refinancing is right for you.
Meet Our Mortgage Consultants
SouthEast Bank has Mortgage Consultants ready to help with all of your home financing needs. Our team shares a commitment to thorough, responsive service in order to ensure a smooth home loan application process.