October 9, 2015

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Whether purchasing a home or refinancing your existing home, we have a number of different types of home loans to choose from.

We guarantee you a mortgage pre-qualification decision within 24 hours or less which will help you and your realtor identify homes that are a good match for you financially and streamline the process of finding your perfect dream home.*

*24 hours or less includes Monday-Friday during normal business hours AND does not include Saturdays, Sundays or Bank Holidays. Decision assumes that key information is provided by the applicant.


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Whether you’re a first-time home buyer, purchasing a second home or ready to refinance, we offer competitive interest rates and a number of home loan options designed to suit your needs.

  • Flexible terms
  • No pre-payment penalty
  • Local mortgage servicing

Fixed Rate Mortgages

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Conventional fixed-rate mortgages offer home buyers a stable interest rate and set payments over the life of their loan. If you are looking for a mortgage payment that won’t change, a fixed-rate mortgage could be right for you. With a fixed rate, you can have a monthly payment that fits your budget and doesn’t change for the life of the mortgage. A variety of fixed rate terms are available.

Adjustable Rate Mortgages

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Our adjustable rate products offer fixed payments for defined periods of time depending on the product you choose. Rate caps limit rate changes at each adjustment period and protect you from payment shock. If you plan to be in your home for a short period of time, an adjustable rate mortgage may be right for you.

Construction Mortgages

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Our Construction mortgages offer a single closing for the construction and permanent financing of your home. Whether you are looking for a fixed rate or adjustable rate mortgage, we have the product to meet your homebuilding needs. Flexible terms and competitive interest rates make your payments affordable during construction, and after you move into your new home.

First-Time Homebuyers

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At Adams Community Bank we offer affordable loan programs to assist first-time homebuyers purchasing a home. To help you get started we will pay more than $400 in closing costs, including your appraisal fee. Apply now online or contact one of our experienced Loan Officers for personal assistance.

VA Loans

VA Loans help Servicemembers, Veterans, and eligible surviving spouses become homeowners. As part of the Veteran’s Administration’s mission, they provide a home loan guaranty benefit and other housing-related programs to help you buy, build, repair, retain, or adapt a home for your own personal occupancy. Adams Community Bank is proud to be a VA lender to assist the veterans who served our country in attaining the dream of home ownership.

VA Home Loans are provided by private lenders, such as banks and mortgage companies. VA guarantees a portion of the loan, enabling the lender to provide you with more favorable terms.

  • No down payment
  • 100% financing
  • 1-4 family homes, owner-occupied
  • No monthly private mortgage insurance

If you are a qualified Veteran please contact one of our experienced Loan Officers to discuss your next mortgage.

USDA Loans

USDA loans, once known as “farmer’s loans”, assist low to moderate income rural homebuyers achieve their dream of homeownership. Applicants must purchase a home within the eligible rural areas and have a household income that doesn’t exceed the established limits where the home is located. Eligible property types include existing homes, new construction, modular homes, eligible condominiums, new manufactured homes and Planned Unit Developments (PUD’s).

Additional Guaranteed Loan Program features include:

  • 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included.
  • Fixed 30 year interest rates apply.
  • No maximum purchase price.
  • Eligible closing costs and lender fees may be included in the loan.
  • Eligible repairs and improvements may be included in the loan.
  • Gift/Grant Funds/ Mortgage Credit Certificates (MCC’s) Seller Concessions are allowed.
  • Not limited to first time homebuyers.

For further details or to apply for a USDA loan, give us a call at 413-743-0001 or stop into one of our convenient locations.

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