Mortgage Loans

Mortgage Loans

Trust is important. Purchasing or refinancing a home is the biggest financial decision most of us will ever make. Place that trust in local hands that are with you at every step. We offer a wide variety of terms and features and will take the time to explain and tailor the best way forward for you.

  • Fixed rates and adjustable rate mortgages (ARMs)
  • Pre-approval available for enhanced buying power
  • Local service and approvals
  • Quick, efficient closing
  • First-time homebuyer programs available
  • Free and discounted American Trust accounts and services for the life of your loan

We recognize the home mortgage process can be confusing to many people. Please see our Mortgage 101 section for helpful definitions and tips.

View our current interest rates.

Mortgage Extras

Enjoy the following free and discounted bank services with your mortgage at American Trust.

  • Free Interest Checking account
  • Free debit card
  • No annual fee Visa® credit card
  • Mortgage protection insurance
  • Mortgage disability income insurance

Services are offered free for the life of the loan and are subject to financial review and approval, the disbursement of a mortgage loan, and the terms of the individual products selected.