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Mortgage & Personal Loans

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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.

Mortgage Loan Calculator

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 Loan Calculator

Personal Loans  (print an application)    

Our personal loans can be used for a number of purposes, including:

  • Autos
  • Boats/personal watercrafts
  • Motorcycles
  • Motor homes/RVs/snowmobiles/ATVs

For details on mortgage, equity or personal loan options, contact a lender today!




All loans subject to credit approval.