Charlotte State Bank & Trust helps area residents realize the dream of home ownership. We offer a variety of home mortgage loans to fit all kinds of budgets. From the first-time home buyer to those who want an investment home mortgage loan, you'll receive expert advice and the kind of personal service you'd expect from your Hometown Bank. Regardless of the mortgage you select you'll appreciate:
- Expert advice
- Quick turn around with all decisions made right here
- Variety of terms
Types of Loans
- Construction-to-Permanent loans with one closing
- Fixed-rate mortgages for those more comfortable knowing their principal and interest payments won’t change
- Adjustable-rate mortgages generally offer lower down payments and typically lower initial interest rates to maximize the use of your money
- Jumbo mortgages of $424,100 or more
- Investment property mortgages
- Second home mortgages
We also offer FHA and VA Loans. Be sure to ask about them.
Wondering what you can afford?
For Personalized Service and current rates, call us:
Ready to get started? Download and start your application, then give us a call.
Residential Mortgage Application