Mortgage Lending

Mortgage Loans

For more information on mortgage types or rates, please contact your Town Square Bank Loan Officer.

Your home is probably the biggest investment you will make during your lifetime. How you finance your home is one of the most important financial decisions you will make. Our mortgage lenders will work directly with you to determine the right solution for your needs.

Fixed-Rate Mortgages

A locked-in fixed-rate mortgage provides you with the security of having the same interest rate over the life of the loan and the comfort of knowing that your monthly principal and interest payment will not change.

Adjustable-Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) may provide customers with the flexibility of a lower starting interest rate and initial monthly payment. ARM loans are better for those who are not planning to stay in the property for a long-term, or expect their income to rise over time. It is important to keep in mind that the rate adjusts based on market rates, and fluctuates periodically based on financial market conditions, which may result in a higher monthly payment.

Construction Loans

Building a new home or purchasing a home under construction? Town Square Bank offers great solutions to help you save both time and money.

Home Equity Lines of Credit

Your home has been busy building equity over the years. In other words, money you can access through a Home Equity Line of Credit. Whether it’s that dream kitchen or paying college tuition, the equity you have built in your home can provide you with financing options.

Like a credit card, you only pay interest on the amount you’ve used from the line of credit. It is like a low-interest pre-approved loan where you have access to money when you need it.

USDA Rural Development

Looking for a traditional home loan with no down payment required and flexible credit guidelines? Let Town Square Bank make your dream of homeownership a reality with the USDA Loan.

USDA Loans are limited to rural areas that are not in city limits and have less than 20,000 residents.

  • 100% financing up to appraised value for qualified buyers
  • New and existing homes are eligible
  • No maximum loan amount
  • Low fixed interest rates

FHA Mortgages

We have the key to your new home! Town Square Bank offers many programs assisted through a governmental agency that helps with the purchase or refinance of a home. The FHA (Federal Housing Administration) Home Loan offers many attraction solutions for customers with limited or no credit experience.

  • Low down payment
  • Down payment and closing cost assistance available in Kentucky
  • Manufactured Homes financing available

VA Mortgages

The VA (Veteran Assistance) loan was developed for Veterans allowing them to find affordable housing at a good interest rate.

  • 100% financing
  • Closing cost assistance available
  • No mortgage insurance required
  • Veteran eligibility required

Mortgage Originators

Lisa G. Belt

E. Tommy Cobb

Peggy Cornwell

Donna Gillum

Matthew Large

Alice Martin

Kimberly Burchett

Tyler S. Ragains

Ryan Curtis Steger

Vanessa Callahan

NMLS ID 761827

NMLS ID 483231

NMLS ID 827177

NMLS ID 793016

NMLS ID 839312

NMLS ID 794546

NMLS ID 761830

NMLS ID 61311

NMLS ID 688992

NMLS ID 922135

Matthew Walters

Teri Wyatt

Lisa Roberson

Martin Ross

Kimberlee Smith

Steven Smith

Autumn Stevens

R. Bruce VanHorn

Jessica Webb

Kristie Weber

Ben Sargent

NMLS ID 41531

NMLS ID 810010

NMLS ID 804928

NMLS ID 440173

NMLS ID 440176

NMLS ID 483232

NMLS ID 440179

NMLS ID 440175

NMLS ID 827178

NMLS ID 483233

NMLS ID 612644

For more information, contact a Customer Service Representative at your Banking Location.