Home Loans

Financing you can feel at home with. We offer home loans to make your dreams come true. Life Improvement Loans® with flexible terms and competitive interest rates.

First Time Home Buyers

When you’re not sure where to start, visit 1ST SUMMIT BANK for a pre-qualification for your first home. We’ll give you options to help you optimize your cash flow and discuss a payment to fit your budget. You can begin touring possible new homes with confidence.

  • discounted closing costs
  • receive reduced rates on your first home
  • Federal Home Loan Bank First Front Door Program (qualified borrowers will receive money for part of their closing costs)

Home Mortgage

1ST SUMMIT BANK mortgages are available with flexibility to fit every household. Choose from purchases or refinances, fixed or variable rates which are sure to suit your needs. We can help you finance your dream vacation home too.

Mortgage Construction

We’ll help you to devise a blueprint for the financing to build your home. We will tailor this loan to work with your plans to get a quality home built the way you would like it and in a timely manner. We work with both contractor and owner-built projects.

Home Equity Loan

Let your home work for you with Life Improvement Loans®. By accessing the equity in your home you can enjoy a new boat, pay for college, consolidate your bills, or go on a much needed vacation. It is not only for those home improvement projects.

Home Equity Line of Credit

This is a great option for those purchases such as replacing appliances or that lawn tractor you have always wanted. It can be used all at once or over time. You can access your funds by writing a check. As you repay, your funds are immediately available to you to borrow again. It may be just what you need to help smooth over the surprises in your cash flow.


Our Loan Officers are registered through NMLS, Nationwide Mortgage Licensing System. To obtain a Mortgage Loan Originators profile go to www.nmslconsumeraccess.org.