Trust us with your mortgage when you are ready to refinance or purchase a new home. We’ve got great no closing cost options, a first-time home buyer program, jumbo loan options, and lots of other choices to make sure you have the best home loan for your individual needs. Plus, we’ll help you with every step of the process. You’ll be happy your home loan is with us!
We offer access to government loan programs including FHA, VA, USDA, and Freddie Mac Home Possible® loans. These loans give buyers lower down payment options and lower credit score and income requirements, making home ownership possible for more people. We’re here to help you decide if one of these government loan programs is right for you, and then walk you through the application process.
If you’re planning to build your new home, we offer fixed rate construction loans to help get your dream house off the ground. We’ll work with you and your approved contractor every step of the way as you build. Once your home is completed, this loan will automatically switch over to a fixed rate residential mortgage.
Let all that equity in your home you’ve worked so hard to build up now work for you! Ask us how you can avoid paying any closing costs. You’ll wonder why you waited to apply! Pay back your loan knowing your interest rate is fixed and your monthly payments will always be the same. Restrictions may apply.
Use the equity in your home to take out a revolving line of credit and use the money anytime you want! Enjoy having the flexibility of paying interest only on the money you use, and have access to the line as often as you wish, as long as you remain within the line’s credit limit, for up to 10 years. Then, take up to 15 years to pay back the remaining balance. Easily transfer money to and from your line by using your online banking account. Ask us about our no closing cost options. Restrictions may apply.
We offer options to purchase, refinance, or construct both doublewide and singlewide mobile homes. Tell us about what you’d like to own and we’ll review your options for financing, and stay with you during the entire process. Please note that the land must be part of the financing, and that other restrictions may apply.
Whether you want to purchase land to build a house, or refinance your existing land loan, we’ve got a variety of terms to meet your needs.
HOME IMPROVEMENT LOAN
Whether you are doing a small home project or a larger remodel, consider taking out a Home Improvement Loan. We offer Home Improvement Loans in amounts from $5,000 to $10,000, and you won’t have to put your home on the line. Plus, once approved, you can have the money quickly!
Whether you want to consolidate your credit card debt or just need some extra money, we have a loan to meet your needs. We offer personal loans in amounts from $2,000 to $5,000 with a choice of terms.
CD SECURED LOAN
Use your Champlain National Bank Certificate of Deposit to obtain a loan with a low rate!
Get your car loan in the same place you have your bank accounts! We have a variety of options for both new and used vehicles.
ADDITIONAL LOAN OPTIONS
Please contact us to discover today's rates for all our Personal Loans.