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Are you ready to buy a new car or boat? Do you want to consolidate your debts or remodel your home? Are you interested in having ready access to extra cash when you need it? We have the loan to make that happen. All decisions are made locally and loan requests can be approved and funded the same day. Call us at (337) 237-1960, or come in to any of our banking centers to discuss your financial needs with a personal banker. Auto Loans New & Used
How much will my vehicle payments be? We offer a variety of rates and terms for auto loans. Let us autodraft your payment from your Home Bank checking and we will reduce your rate by .25%
Model | Max Term | Rate | New | 60 months | 6.99% |
| 48 months | 6.74% |
| 36 months | 6.49% |
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| Used | 48 months | 7.49% |
$35 Documentation fee.
Down payment 10% minimum plus TT&L.
Home Equity Loans
Are you ready to remodel your kitchen or redo a bathroom? Is it time for a swimming pool to cool off your summer? Would you like to have ready access to cash without coming to the bank? These fixed rate, fixed maturity loans can be for terms of three to 15 years. Our rates are competitive, and closing costs are low.
We can help. If you own your home, we have two ways to let you utilize the equity you have built: a Home Equity Loan or a Home Equity Line of Credit. The interest for these loans may be tax deductible. Consult your tax advisor. Fee
| Max Term
| Rate
| $50.00
| 60 months
| 7.50%
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| 36 month balloon
| 7.25%
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| $50.00
| 120 months
| 8.00%
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| 60 month balloon
| 7.75%
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| $50.00
| 180 months
| 8.50%
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| 60 month balloon
| 8.00%
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(Property and flood insurance may be required.) Home Equity Line of Credit
This variable rate loan gives you maximum flexibility, because it allows you to borrow only what you need when you need it. Interest is charged only on the outstanding balance. Rates are tied to New York Prime as published in the Wall Street Journal. The Home Equity Line of Credit annual origination fee is $20. Maximum Term
| Loan to Value Ratio*
| Rate
| 36 months
| <=80%
| Prime + .5%
| 36 months
| >80%
| Prime + 1%
| *Loan to value ratio is equal to the loan amount requested divided by the appraised value of the home.
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Savings, CDs and Signature Loans
Do you need some cash now, but your Home Bank Certificate of Deposit does not mature for a while? Do you have money in your savings account that is earmarked for a special purpose but you need some cash now?
Our loans secured by savings and CDs might be just the right product for you. These loans are priced at just 3% over the rate on the deposit account, and closing costs of $50.
Signature Loans
We offer signature/unsecured loans for a variety of needs. We make loans for home improvement, vacations, debt consolidation, school tuition and much more. Our rates and terms are very competitive. Overdraft Protection
Most people rarely overdraw their account, but when it does happen, Home Bank offers peace of mind with its overdraft protection products. Your checks will not be returned. One of these services might be right for you:
Overdraft Line of Credit - If you prefer, we offer a line of credit. This line gives you the peace of mind that your checks will be covered. It also allows you the flexibility to access this personal line of credit for short-term cash needs. The fee for this line is $12 annually, and the interest rate is 15%.
Recreational Vehicle Loans
Recreational Vehicles, Boat-Motor-Trailer, 4-wheelers, Campers, Jet Ski, etc. financing is available. Terms of up to five years are available.
$35 Documentation Fee
25% down payment minimum plus TT&L.
Term may be modified for motor homes. Lot Financing and Investment Property
Loans for financing the purchase of commercial or residential real estate (lots) are available with terms of up to ten years. Rates are determined by term and down payment provided.
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