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personal banking > bounce protection > checking accounts > savings accounts > money market accounts > ATM & debit cards > personal loans - overdraft protection - unsecured loans - automobile loans - trade in your loan - certificate of deposit,   savings, or stock loans - recreational vehicles - consumer real   estate loans - home equity line   of credit > certificates of deposit > IRA's > switch kit > substitute check notice business banking mortgage banking wholesale mortgage access phone banking internet banking investments other products & services		personal banking consumer real estate loans: We offer first and second mortgages on primary and secondary residence, rental homes, condos, lots and other real estate. We also make new home loans, construction loans and home improvement loans. Real Estate Loan Type Loan To Value Maximum Term 1 to 4 Family residential property 90% 5 year maturity with a 15-year amortization Residential Investment (Rental) property 85% 5 year maturity with a 15-year amortization Residential lots less than 5 acres 80% 5 year maturity with a 10-year amortization Land loans over 5 acres 65% 5 year maturity with a 15- year amortization Debt Consolidation Based on the property used. 60 months

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