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Lending

Retail Lenders (consumer, real estate & mortgages)

Walk in for a loan…walk out with a check!

Do you need a personal loan to pay off high-interest debt or unexpected expenses?  Are you dreaming of buying a new or used car?  We can help!  Whatever your personal financing needs are, the Retail Lenders at Superior National provide fast service and flexible loan terms.

We offer 100% financing for new and used:

  • Vehicles, motorcycles, ATVs, snowmobiles
  • Campers, boats, motorhomes
  • Numerous other items

We also offer:

  • Unsecured loans
  • Loans secured by your SNB savings account or certificate of deposit
  • Loans secured by stock

Requirements:

  • Valid photo ID
  • Completed application
  • Proof of income
  • Details of item being purchased  (e.g. year, make, model, VIN)
  • Good credit standing

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Business Lending

If you need help growing an existing business or starting a new business venture, the experienced business lenders at Superior National Bank will work with you to satisfy your financing needs.

Available Products:

  • Commercial real estate purchases and refinances
  • Construction loans
  • Equipment loans
  • Lines and letters of credit
  • Inventory and working capital loans
  • Small business administration (SBA) loans

Requirements:

  • Completed application
  • Two years of business financial statements or tax returns
  • Business plan (if starting a new business venture)
  • Cash flow projections
  • Corporate papers or partnership certificates
  • Resolution to borrow
  • Cash down payment or other collateral to pledge (depending on the loan amount)
  • Good credit standing

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Mortgage/Home Equity

Buy or Refinance a Home

At Superior National Bank, we understand that buying a home, camp or land is one of the most important investments you will make. Whether you are looking for a fixed rate, conventional mortgage or a balloon mortgage, our experienced mortgage lenders will be there to guide you through the process, from application to closing. Up to 90 percent financing is available.

In-House Options:

Home
purchase or refinance
Camp
with or without utilities
Land
vacant or improved
Construction
contracted or self build
Equity
line of credit or fixed
Fixed Flex Balloon
Fixed Flex Balloon
Fixed Flex Balloon
Line of Credit
Fixed Flex Balloon
12 year term up to 30 years
12 year term up to 30 years
12 year term up to 30 years
12 month draw period
10 year term  
• up to 90% financing • up to 90% financing • unlimited acreage • build a new home, second home or camp • flexible payments
• loan serviced locally • loan serviced locally • loan serviced locally • permanent end financing available • minimal closing costs
• financing for unique situations such as appraisals or credit • financing for unique situations such as appraisals or credit • financing for unique situations such as appraisals or credit • support through the project predictable payments
  *maximum 75% financing without utilities      

 

General Requirements:

  • Valid photo ID
  • Completed application
  • Proof of income
  • Good credit standing

Helpful Links:

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