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

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.

Fixed Rate Mortgages

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

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

Our Construction mortgages offer a single closing for the construction and permanent financing of your home. 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

At Adams Community Bank we offer affordable loan programs to assist first-time homebuyers. To help you get started, ACB will pay closing costs and fees, generally up to $750, 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, 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.

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