Life is full of expenses, sometimes planned and sometimes unexpected. At HomeTown Bank, we make our decisions locally and are able to work quickly to meet your needs. Let one of our experienced loan specialists assist you today. 

Home Equity Loans & Lines of Credit

Consolidate your loans and save money with our Home Equity Line of Credit, Home Equity Loan or combination of the two.

Personal Installment Loans

HomeTown Bank provides loans for cars, boats, recreational vehicles or other major purchases. We offer competitive rates and a quick approval process.

Residential Mortgages

Finding the right lender is just as important as finding the right house. Whether you are looking to buy a new home or refinance an existing home, talk to HomeTown Mortgage today.

Residential Construction Loans

We can customize your loan from the land purchase and construction financing to the final mortgage. Contact our experienced residential construction lender to learn more.

Overdraft Protection

Enjoy the security of knowing that you'll never overdraw your account with an automatic transfer of funds into your account. We offer our customers three types of protection.

1. Savings Transfer

Avoid overdraft service charges with our automatic Savings Transfers. Funds from your linked HomeTown Bank savings account will be transferred automatically when an overdraft occurs.

2. HomeTown Reserve

This credit line is attached to your checking account, so if you accidentally overdraw your account, HomeTown Reserve will automatically transfer funds into your account up to your credit limit to cover the difference.

  • No Annual Service Charge
  • No Transfer Service Charge
  • Convenient Automatic Funds Transfers
  • Simple Application Process

3. Home Equity Line of Credit

Link your HomeTown Bank Home Equity Line of Credit to have funds transferred automatically if an overdraft occurs.

Standard credit criteria will apply for all loan products and services.