Consumer Loans

• Personal Loans, Auto, Debt Consolidation, and Home Improvement
• Up to 72 month financing on new autos
• Competitive interest rates with loan terms to fit your needs

Mortgage Loans

• Up to 30 yr Fixed Rates (offered through the secondary mortgage market)
• Mortgages with low closing costs for non-conforming properties
• Quick Closings
• Lot and Vacant Land loans
• Local Decision Making

Documentation Required for a Mortgage Loan (Secondary Market)

• Last 2 years tax returns (self-employed or commission borrowers)
• W-2's from previous year
• Last 30 days of pay stubs (most recent)
• Last 2 months bank statements (most recent)
• Copy of Deed (refinance loan)
• Copy of Insurance (refinance loan)
• $300.00 for appraisal & credit report
• Copy of Sales Contract on property purchasing
• Copy of Award Letters if income is from Social Security, Disability or Pension
• Copies of Driver's License for each borrower

Home Equity Loans

• Attractive interest rates with the flexibility of a revolving credit account
• Interest may be tax deductible (consult your tax professional)

Commercial Loans

• Business loans, lines of credit, government guaranteed loans, to include small business administration loans (SBA) as well as specialized financial needs for commercial real estate, equipment, gas & oil loans, timber and timberland loans.

Business

• First Central Bank offers flexible loans to meet the financing needs of your business. Our commercial lending specialists will work with you to tailor your loan request to your specific needs of the industry and structure loan terms to meet your financial needs.

Business Lines of Credit

• We have lines of credit available that can be structured to meet the needs of your business. Lines of credit are a convenient way to finance seasonal cash flow needs, or other short-term cash flow needs from time to time.

SBA

• Term loans for purchase of a business, loans to make capital improvements,, and lines of credit are available.

Commercial Real Estate

• Financing for development and construction loans is available.

Equipment Loans

• When you are looking to purchase the equipment you need to run your business, give us a call for information on a term loan.

Apply in person when you visit your local branch. Credit is subject to normal credit standards. The above material is for information purposes only.