• Fixed Rate Mortgage
• Construction Loans
• Home Equity Line of Credit
• Second Mortgage
• Consolidation Loan
• Installment Loan

Personal and Residential Lending Products
Just as there is a home to suit every buyer, there is a mortgage to suit every new home. Whether this is your first home or the next of many, The Gifford State Bank can make the financing process easy and affordable for you with our competitive pricing. We are proud to share with you that many of our home mortgage loans are serviced locally at The Gifford State Bank.

Fixed Rate Mortgage
Prefer a steady, predictable payment schedule? Then a fixed rate mortgage loan is right for you. Fixed Rate Mortgage features:

• Principal and interest payments do not change over the life of the loan
• Loan terms are variable to meet your needs

Construction Loans
A construction loan is a mortgage that funds the construction of a new home. The funds are withdrawn over time based on how much of the home is completed. The loan is closed for the total loan amount. Home Equity Line of Credit
Use the equity in your home as a credit line and eliminate the need to apply for a loan every time you need money. You can borrow up to 90% of the appraised value of your home. This loan is considered a second mortgage on your home. Interest is only charged on the amount of loan used.

Second Mortgage
This loan offers a fixed monthly payment, a fixed term for the loan, and you receive the entire loan amount up-front. You can borrow up to 90% of the appraised value of your home. This loan is considered a second mortgage on your home. There are many ways to use the money invested in your home. They might be to pay off high-interest credit card debt, pay for home improvements, finance education costs, vacation, finance an adoption or to purchase large-ticket items such as an automobile or furniture.

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Consolidation Loan
A consolidation loan takes your high interest rate loans and bundles them into one loan with a lower interest rate. This loan is secured or unsecured depending upon qualifications. The term is generally from 12 to 60 months.

Installment Loan
You can receive a 0.25% discount on our already low installment loan rates when you sign up for GSB auto pay.
We finance the following types of loans.

• New and Used Vehicle Loans
• New and Used Mobile Home Loans
• New and Used Recreational Vehicles
• New and Used Motorcycle Loans