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There are hundreds of reasons to need a loan. But there’s only one place you need to go. Flatwater Bank has a loan to cover just about any situation. And our rates are always very competitive.

At Flatwater Bank, we match specific borrowing needs to the type of loan that is best for you. We take the time to get to know you…whatever the need, whatever the reason.

Flatwater Bank offers a complete line of loan products to meet your needs. They include:

Personal Loans

With an installment loan from Flatwater Bank, you can finance major purchases, consolidate bills, take a dream vacation, remodel your home, cover unexpected expenses, and much more! Our financing plans offer:

  • Affordable monthly fixed payments
  • Competitive rates and excellent terms
  • Local decisions and one of the quickest no-hassle approvals around
  • Payment Protection available to protect payments in the event of death or disability
  • Personal, professional service

Click here for a printable credit application

Business Loans

Almost all businesses require some sort of financing at one time or another and for a variety of reasons. At Flatwater Bank, we offer loans for every situation. Beyond competitive rates and terms, we offer a loan officer assigned to understanding your business and providing the exceptional service your company deserves.

Our business loans include:

  • Lines of Credit
    To provide you with short-term working capital, Flatwater Bank can structure flexible revolving lines of credit. Uses include meeting seasonal sales fluctuations, taking advantage of discounts and covering shortfalls in cash flow. Terms and conditions will be customized for your specific business needs.
  • Term Loans
    If you are in need of longer-term capital, a term loan may be structured to match your cash flow with the life of the asset. Uses include acquiring new fixed assets such as equipment, purchasing a new business or funding permanent working capital as a result of increased sales.
  • Real Estate and Construction Loans
    If you are looking to expand, refinance or acquire new property, Flatwater Bank offers both interim construction loans and permanent real estate financing.

Mortgage Loans

We can help make your home ownership dreams come true with competitive rates and personal service. Flatwater Bank makes home buying hassle-free, offering a full line of competitive mortgage products for purchasing or refinancing your home. We finance the following types of properties:

  • Owner occupied
  • Cabin mortgages and second homes
  • Vacant land mortgages
  • Manufactured home loans
  • Investment or rental property loans
  • Construction to permanent loans
  • USDA rural development mortgages

All backed by:

  • Local service
  • Personal attention
  • Traditional fixed rates available

Click here for an electronic/printable mortgage loan application. Please note: this is a fillable form allowing you to type your mortgage loan application. It will need to be printed/signed when submitted to the bank.

15 year versus 30 year calculator - Use this calculator to help determine which mortgage term is right for you.  Input sample mortgage amounts and interest rates to see a comparison.

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