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Loans

We provide Service Beyond Expectation!

Whether you require financing to expand your growing business, purchase equipment or meet other operational needs, our experienced lenders will provide credit opportunities tailored to meet your capital needs.

We offer:

Lines of Credit

  • Flexible borrowing instrument that provides easy access to funds.
  • Often used to support working capital needs or meet seasonal fluctuations in receivables or inventory
  • Lines of credit may be unsecured or secured by a wide range of collateral from accounts receivable to real estate
  • Typically, a variable rate and interest only repayment

Term Loans

  • Borrow a specific amount of funds to meet a specific financing need
  • Repay funds on a predetermined schedule over a longer term
  • Generally a fixed interest rate

Commercial Mortgages and construction loans

  • We provide funds to finance the purchase of Commercial Real Estate
  • Facilitate growth by providing financing to renovate or remodel your existing building
  • Provide funding for new construction

Letters of Credit

Through our Correspondent Bank we will provide documentary and stand-by letters of credit that you can use to smooth the progress of your business transactions.

Visit Monument Bank or Contact Us for more information about our Business lending Opportunities.

Monument Bank offers a wide range of personal borrowing options to fill your needs. Whether you need a little or a lot of money, Monument Bank offers competitive rates and flexible terms to help you fulfill your dreams.

Check out our great rates

Home Equity Loans and Lines of Credit

Whatever your borrowing needs are...vacation, educational, debt consolidation, almost any purpose, Monument Bank can help make your home work for you with a home equity loan or line of credit...

Home Equity Loan

  • A fixed rate and fixed term
  • Monthly payment remains the same over the term of the loan
  • 0.25 % interest rate discount with payment autodebit

Home Equity Line of Credit

  • Variable interest rate -if rates go down you pay less
  • Only borrow the amount you need when you need it - you only pay interest on the amount you borrow
  • Borrow and repay funds at any time over the term of the loan
  • Great flexibility - write a check to advance loan funds or visit your local branch

Home Equity Loan Advantages

Consolidate your bills- lower your monthly payments. Rates on home equity loans are usually less than credit cards. A Home Equity Line of Credit offers flexibility with NO ANNUAL RENEWAL FEES! The interest you pay may qualify for a tax deduction- check with your tax advisor regarding the deductibility of interest

Personal Loans and Lines of Credit

You do not have to be a homeowner to take advantage of great borrowing rates at Monument Bank. We offer loans secured by collateral such as savings accounts, CD's, stocks and bonds or autos. We can also provide unsecured loans.

Personal Loans

  • A fixed rate and fixed term
  • Monthly payment remains the same over the term of the loan
  • 0.25 % interest rate discount with payment autodebit

Personal Lines of Credit

  • Variable interest rate - if rates go down you pay less
  • Only borrow the amount you need when you need it - you only pay interest on the amount you borrow
  • Borrow and repay funds at any time over the term of the loan
  • Great flexibility - write a check to advance loan funds or visit your local branch
  • 0.25 % interest rate discount with payment autodebit

Other Borrowing Opportunities

Looking for a car loan or an education loan? Allow a Monument Bank loan representative to introduce you to the wide range of products we have to offer. There are many ways we can meet your borrowing needs.

 

Residential Mortgage and Construction Loans

  • Free Pre-Qualifications
  • Purchase or Refinance
  • Primary Residence, Investment or Vacation Properties
  • Special Programs for First Time Homebuyers
  • Fast Decisions: In-House Processing and Underwriting