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Mortgage Loans

If you are considering buying a new home, starting a home improvement project, or maybe even refinancing your existing mortgage to free up some extra income, we would love a chance to work with you.  At Flatwater Bank, we pride ourselves in having a mortgage department that will take the time to sit down with you to find the best loan product to meet your financial needs.  We strive to make the mortgage process hassle free.  
We finance the following types of properties:
  • Owner occupied
  • Cabin mortgages and second homes
  • Vacant land mortgages
  • 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 to fill out an 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 which mortgage term is right for you.  Input sample mortgage amounts and interest rates to see a comparison.
Morgan Fornoff, Mortgage Loan Officer