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Personal BankingMortgages & Home Equities

Local decision making, processing, and servicing.

Looking to buy a home? Choosing the right mortgage banker who listens to your needs in an important step. If you’re ready to get started, click on the Apply Now button below and create a new account to start the mortgage application process today!

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*If you are applying for a new loan with Partners Bank, click on the ‘Apply Now’ button and you will be prompted to create a mortgage application account. This is NOT your Partners Bank Online Banking account. If you already have a loan in progress, you can review your information by clicking on ‘My Loan.’

Is Refinancing Right for You?

Have you been thinking about reducing your monthly mortgage payments? Or are looking to lower your interest rate? Refinancing your existing mortgage is a viable option as a homeowner, but only if it makes sense for your loan. Before jumping ship from your current loan, however, consider factors like: future moving plans, the length of time your loan has already been held, expectations about interest rate stability and the applicability of payment penalties. Be sure to contact one of our mortgage professionals first if you’re unsure of the answers to any of these points, so we can help!

Click on a link below for more information:

Buying your first home can be overwhelming. At Partners, our mission is to help first-time homebuyers through the entire process. Our loan originators will take you through the process, step-by-step, keeping your experience as fun, exciting and hassle-free as possible.

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A Partners fixed rate mortgage offers you the security and stability of a monthly payment that never changes for the term of your mortgage loan. This can make budget planning easier and can be a wise choice if you believe interest rates will rise.

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Adjustable rate mortgages, or commonly known as ARMs, can generally offer you lower starting interest rates and corresponding monthly payments than our fixed rate loans. This can be a wise choice if you do not plan on long-term ownership or if you expect interest rates to decrease. Our best ARM rates are available to 1-4 family owner occupied, single unit second home and new 1-4 family construction properties. Although your rate and payment can increase, you do have the protection of annual and lifetime interest rate caps.

In addition, you can lower the annual and lifetime cap through our rate buy-down options.

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If you are looking to buy a home that is higher priced than the average, you may need a Jumbo Loan. A jumbo loan is like a traditional mortgage, only bigger.

Jumbo Loans may offer fixed and adjustable rates. We can help you calculate the payments for fixed or adjustable rates to see how they can comfortably fit your income.

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Government subsidized loans help to make home ownership affordable for those who qualify. Partners offers VA, Rural Development and State Housing agency government loans. Talk with one of our Mortgage Consultants for more information on how you may qualify.

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Partners has always made building your dream home easy and affordable with our single closing construction mortgage loan. Whether you want to build your primary, second, or seasonal home Partners is ready to help. During the construction phase, we only charge you interest on the funds used, and disbursements are based on work completed. When your building is complete and funds are fully disbursed, we will convert your loan to the permanent repayment terms you selected without a second loan closing. Both fixed rate and adjustable rate terms are available for your building needs.

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Whether you are planning to purchase a new car, go on that well-deserved vacation, make home improvements, pay for college tuition, or even debt consolidation, taking advantage of accumulated equity in your home is a smart and inexpensive way to meet these needs. At Partners, we offer you two home equity loan choices.

Home Equity Line of Credit

If you want the convenience and ease of being able to access future advances without a new credit application, then a Partners Home Equity Line of Credit is a smart equity loan choice. Although your interest rate will be variable, it is generally priced below our fixed rate equity product and requires “interest-only” monthly payments. With our Line of Credit option, you’ll have access to your funds anytime, anywhere, 24/7, simply by writing a Line of Credit check or by using our online banking service.

Please review these important disclosures regarding Home Equity Lines of Credit:

Home Equity Important Terms/ What you should know about home equity lines of credit

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Fixed Rate Home Equity Loan

With our Partners Fixed Rate Equity Loan, you can borrow a specific amount for a fixed period of time. Your monthly payments are fixed, so you will have the comfort of knowing your payment will remain the same every month.

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Every situation is different. Our lending professionals will be happy to work out a plan that best fits your financial needs.

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Maximizing Your Home Buying Experience

We understand every borrower is different. We’re committed to providing the highest level of customer service and offer a wide variety of loans to meet the needs of every individual. We’ll make sure you understand your mortgage financing options, and will help you choose the best loan so that you’re able to get a mortgage you are comfortable with.

Start now! Click here to choose a mortgage lender, or begin filling out your application today. As always you can call 1-888-226-5747 to have a mortgage lender walk you through the application process.

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All loans are subject to credit approval.