| From time to time we all need to borrow money and Focus Bank offers all types of loans to help customers achieve their goals and see their dreams come true. Whether you are looking for a consumer, mortgage, commercial, or agricultural loan, Focus Bank can assist you with your borrowing needs. Visit any Focus Bank branch or contact us online for more information. Click here if you would like to receive a loan application. |
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Personal Loans |
Personal installment loans can be used to purchase just about anything you need, whether it is new or used.
• Automobiles
• Recreational Vehicles
• Vacations
• Debt Consolidation
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• Boats
• Computers
• Home Improvement |
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| We offer competitive rates, flexible terms, and the fastest loan approval and closings available today. You may split your payments, pay early or make extra principal payments, which may help you save on interest. You can even set your own payment dates. |
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Construction Loans |
| Focus Bank offers construction loans for both residential and commercial properties. Both types have flexible terms, very competitive rates, and minimal closing costs. Approvals and closings are always fast. We offer one-time closings in or to save you time and money once construction is done. Bridge loans are also available in case your current residence hasn’t been sold prior to construction. |
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Mortgage Loans |
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Whether you are thinking about buying your first home, upgrading to a larger home or refinancing, NOW is the time to call FOCUS Bank. Let our Mortgage Lenders customize a plan to fit your budget. We offer excellent rates with fast approvals and convenient closings. YOU CAN APPLY OVER THE PHONE! Call today or email if you need an application. We offer:
- Conventional Fixed Rate Loans
- Rural Development Loans
- FHA/VA Fixed Rate Loans
- 100% Conventional Fixed Rate Loans
- No Closing Cost & No Hassle In-House Adjustable Rate Loans
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What do you need to apply?
- Name
- Social Security Number
- Date of Birth
- Address of Property
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Employment History
- Assets & Liabilities
- Income Information
Pre Appoval in Minutes!
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Home Equity Loans |
| Focus Bank offers loans secured by the equity in your home. We offer loans with low interest rates, flexible terms, and minimal closing costs. We have both fixed and variable rate options with repayment terms up to 20 years. We provide funds up to 90 percent of the current value of your home. The money can be used however you see fit. Interest on these loans is often tax-deductible. |
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Hometown Home Equity Line of Credit
"No-Closing-Cost" |
| Let us help you turn your dreams into reality with our Home Equity Loan. This flexible line of credit is secured by your home and is available to you with absolutely no closing costs. You can withdraw cash by simply writing a check. You replenish your line of credit as you make monthly payments, so your equity will be available again when you need it. Once again, the money can be used however you see fit. So, cut up those high rate credit cards or go on that vacation you have been dreaming about by calling or emailing today. It is that simple! |
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Business/Commercial Loans |
| Whether you need money for operating expenses, expanding your office space, upgrading your equipment, or purchasing some rental property, Focus Bank has experienced lenders to help assist you for all your business needs. We offer competitive rates and terms, fastest approvals and closing on all types of term or revolving loans for businesses. We also offer equipment leases for businesses which might provide substantial tax advantages. We can customize the right business loan to fit your needs. We are experienced with all Small Business Administration Guaranteed loan programs. So, call or email today for an appointment. |
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Agriculture Loans |
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Focus Bank is proud to offer a complete line of agricultural specific loans including equipment, production, and real estate. We offer long-term fixed rate farm real estate loans for 5, 10, 15 or 20 years. Equipment loans or leases (both new and used) can be obtained with up to seven-year amortizations. In addition, our agriculture loans feature both competitive fixed and variable rates, flexible terms, as well as lifetime local servicing. We have been making farm loans for over 70 years. We understand what agriculture means to the local economy. |
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