Lending

Real Estate & Mortgage

We Love To Lend™

Just like homes, home loans can come in all shapes and sizes, and it's important to find the right one for you and your budget. MBT offers a complete suite of Mortgage Loan Solutions to fit an array of Mortgage needs.

When you bank with MBT, you'll have the benefit of a personal Mortgage Expert who will walk you through the sometimes complicated Mortgage Process. Your Mortgage Expert will go through the various types of loans and their individual benefits, and help you find the best solution.

Let Monroe Bank & Trust help you do the math to see if refinancing makes sense. Evening & Weekend Appointments Available.

 

 

ADJUSTABLE rate mortgage (arm)

With an Adjustable Rate Mortgage (ARM) from MBT, your interest rate is fixed for a predetermined initial period. Rates then go up and down with the market throughout the term of your mortgage, so you know your interest is always competitive.

ARMs typically offer an initial interest rate that is lower than that of a fixed-rate loan, which may mean you can afford more home than you might have thought.

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED  

  • ARMs typically offer an initial interest rate that is lower than fixed-rate loans - making monthly payments affordable.
  • Great mortgage option if you anticipate an increased income in the near future or if you plan on staying in your home for 3-5 years.
   

FIXED RATE MORTGAGE

You want an affordable monthly payment that’s predictable. An MBT Fixed-Rate Mortgage offers you a competitive interest rate that stays the same for the life of your loan, so it’s very easy for you to manage your budget.

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED  

  • Predictable fixed monthly payments based on amount borrowed and term of loan.
  • Convenience of one monthly payment.  
  • This is the perfect choice if you are planning on staying in your home for a long time.
   

CONSTRUCTION LOANS

From the floor plan to the kitchen tile, building your own home comes with lots of choices. But none is more important than financing.  

Construction “DIY” Loan Do it yourself and let MBT help. Buy land and finance the construction with Monroe Bank & Trust’s Construction DIY Loans. You already know how to build your new home. We’ll just do what we do best: help you finance it.

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED 

  • No money down with a lien on your existing residence.
  • Creative financing techniques - MBT Blend-Wrap Mortgages allow construction to begin prior to sale of existing home.
  • Refinance at a later date with an MBT loan that best fits your budget at that time.
   

CONSTRUCTION PERMANENT LOANS

Build your dream home even before you sell your current residence. A Monroe Bank & Trust Construction Permanent Loan offers an affordable loan option with attractive rates and repayment terms.

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED 

  • Creative financing techniques and MBT Blend-Wrap Mortgages allow construction to begin prior to sale of existing home.
  • Interest-only payment options available during the construction phase.
  • One-time closing allows financing for both construction and end mortgage.
   

CONDOMINIUM FINANCING

For many, condominiums offer a low-maintenance lifestyle. Strange, then, how financing for condos is traditionally so complicated. With MBT Condominium Financing, we provide exceptional financing options for owner occupied warrantable condominium projects. 

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED 

   

LOW DOWN PAYMENT

Get into your new home with a lower down payment from Monroe Bank & Trust. You can start building equity right away… without draining your savings account in the process. 

Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED 

 

HOME EQUITY LOANS & LINES OF CREDIT

Home Equity lending allow you to use the money you've put in to your home to pay for a wide variety of large purchases. Cars, boats, home furnishings and home repairs, bill consolidation, the list goes on. You've worked hard to pay for your home. Get creative with how it can pay you back. 

> Explore MBT Home Equity Options

> Contact a Lender or call us at 800-321-0032 for more information

LET'S GET STARTED  

 

Loan rates vary by product, down payment, credit score and other criteria. It is the reader's responsibility to confirm or verify any rates, fees or penalties with the Bank by contacting the Customer Service Center at 800-321-0032, or online at www.mbandt.com by completing and submitting the Contact form which may be accessed from any website page. All products and services are subject to approval.  

Choose an account type