Online Services

Loan Programs

Southern Michigan Bank & Trust offers a wide variety of loans to meet your needs.  Whether buying your first home, improving your current residence, or financing a vehicle, our experienced lenders can help determine the loan option that’s best for you!

Mortgage Loan Calculator

Mortgages  (print an application)   

  • Fixed Rate Mortgages
  • USDA – Guaranteed Rural Housing Development
  • Adjustable Rate Mortgages
  • Bare Land Mortgages
  • Balloon Mortgages
  • Construction Mortgages

Home Improvements  (print an application)     

  • Fixed or Adjustable Rate Closed Ended Home Equity Loan
  • Fixed or Adjustable Rate Home Equity Line of Credit

Personal Loan Calculator

Personal Loans  (print an application)    

  • Automobiles
  • Boats
  • Personal watercrafts
  • Motorcycles
  • Motor Homes
  • Snowmobiles & ATVs
  • Cash Secured or Unsecured

Contact us today!






All loans subject to credit approval.