Southern Michigan Bank & Trust offers a wide variety of loans to meet your needs. Our experienced lenders will work with you to find a solution that fits your situation. Click to meet our lenders today.
Home Mortgages (print an application)
We offer a number of fixed and variable rate loan options that can help you reach your goals:
- Purchase a new home or refinance your existing home with a mortgage;
- Build your dream house with a construction loan;
- Buy land as an investment or for future building plans with a land loan;
- We also offer USDA Rural Development Housing loans for qualified applicants.
Equity Loans (print an application)
Equity loans are a useful tool that can help you finance major expenses:
- We offer several home equity loan options including home equity lines of credit (HELOC);
- There are no annual fees; and
- Funds can be used for home improvements, education and other major purchases.
Personal Loans (print an application)
Our personal loans can be used for a number of purposes, including:
- Boats/personal watercrafts
- Motor homes/RVs/snowmobiles/ATVs
For details on mortgage, equity or personal loan options, contact a lender today!
All loans subject to credit approval.