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Personal-borrowing

Brown County State Bank Mortgage Loans
Borrowing for your home is easier than ever with a mortgage loan from Brown County State Bank. We offer competitive rates and fast answers from friendly, experienced loan professionals. Escrow services are also available to incorporate your real estate tax and insurance payments into your monthly mortgage payment. Whether you are looking to purchase a home, refinance your current home, construct a new home or utilize the equity in your home, let BCSB help you find the product that fits your needs! As the leader in mortgage options, we offer the following products:

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FIRST TIME HOME BUYERS PROGRAMS
Brown County State Bank offers mortgage loans to first time home buyers through Guaranteed Rural Housing or FHA. The bank also participates in the down payment plus program. Consult a lender for more details on available first time home buyer programs.

FIXED RATE MORTGAGE LOAN
Looking for the security of knowing that your monthly principal and interest payments will not change? Consider using a fixed-rate mortgage to finance your home purchase or refinance your existing mortgage. 10, 15, 20 and 30 year terms are available for fixed rate mortgage loans.

ADJUSTABLE RATE MORTGAGES (ARM)
ARMs offer a competitive interest rate for an initial term of 3 years to 5 years. This initial fixed rate period is followed by a period when your rate will adjust at regular intervals. All have rate caps which limit interest rate increases over the life of the loan.

LOT LOANS
Begin building equity before you even start your construction. Terms between 6 months and 60 months are available. Choose a longer amortization to keep your payments low.

CONSTRUCTION AND BRIDGE LOANS
Brown County State Bank makes it easy to build the home of your dreams! Finance your construction loan for a term of 6 months or 9 months. We even have the ability to do bridge loans to accommodate you during the construction process.

HOME EQUITY LOANS
A home equity loan is a term loan that allows you to borrow against the equity in your home. Interest rates are determined by the length of the term and your equity. Home equity loans provide the opportunity to use the equity in your home for many purposes such as: home improvements, consolidating bills (credit cards or other debts), school tuition, vacation or travel plans.

HOME EQUITY LINES OF CREDIT
A home equity line of credit is a revolving line of credit secured by the equity you have in your home. Once your application is approved and your credit limit determined, you can conveniently access your loan account by check or transfer request as you need it. The interest rates on a home equity line of credit are usually variable and are based on the prime lending rate with both floor and ceiling rate limits. Home equity loans provide the opportunity to use the equity in your home for many purposes such as: home improvements; consolidating bills; credit cards or other debts; school tuition for your children or yourself; vacation or travel plans.

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