Home Loans

Let SNB bring you home. For many buyers, a home is the biggest purchase you’ll make – SNB is here to guide you through the mortgage process, from application to close. Whether you’re looking to buy, build, or remodel a home, Superior National Bank’s knowledgeable lenders are here to make the process simple and easy to understand.

We offer competitive rates, quick closings, and a variety of loan options – so we can find an affordable loan solution that’s best for your financial situation.

Looking to refinance your current home loan? We can help you there, too. For some home owners, refinancing your mortgage is a smart way to save money over the life of your loan. Give us a call and we’ll review your current mortgage situation to find the refinancing option that’s right for you.

SNB Options

Purchase or refinance
Fixed Rate (12 year term) or Flex Balloon (up to 30 years)
Loan serviced locally
Financing for unique situations, such as appraisals or credit

Primary or Vacation Home:
Up to 90% financing available

Camp (with utilities):
Up to 90% financing available

Camp (without utilities):
Up to 75% financing available

Improved Land:
Up to 75% financing available

Vacant (Raw) Land (unlimited acreage):
Up to 65% financing available

Rental Property (1-4 Family):
Up to 90% financing available

Residential Construction:
Self-build supported
Partial or full construction options available

Conventional

Fixed Rate Loans
15 / 20 / 30 Year Terms Available
Up to 97% Financing

Adjustable Rate Mortgages
1-5 Year ARMs Available
7/1 and 10/1 ARMs
Up to 97% Financing

FHA Loans
For Low-to-Moderate Income Families
Only 3.5% Down Payment Required

USDA Loans
For Low-to-Moderate Income
Families in Rural Areas
Up to 100% Financing

VA Loans
For Active and Retired Military, Reservists and Surviving Spouses
Up to 100% Financing

NEW! Home Equity Line of Credit

Looking for the flexibility of a line of credit at a low interest rate? Our newest simplified home equity line of credit. Low documentation. Full appraisal not required. Quick closings. No annual fee. First five years: monthly payments of 1% or $50.00 minimum. Next ten years: conversion into 10-year variable rate installment loan. Rate adjusted with WSJ Prime Rate.

NEW! Home Equity Line of Credit– Interest Only Option for Qualified Borrowers

Looking for the flexibility of a line of credit with interest-only payments? Our newest simplified home equity line of credit. Low documentation. Full appraisal not required. Quick closings. No annual fee. First five years: monthly interest-only payments. Next ten years: conversion into 10-year variable rate installment loan. Rate adjusted with WSJ Prime Rate.