Personal Banking

Mortgages and Home Loans

Take your next big step with mortgages and home loans

You want your money to help you achieve as many life goals as possible. TCB is ready to support you with sound advice, attentive personal service, the right account, loan options, and efficient online tools.

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Our Advantages

  • Mortgages For All Homebuyers

    At TCB, we have mortgage programs for all home buyers, including first-time homebuyers, second homes, and investment properties.

  • Timely Loans With Competitive Rates

    Home loans are available for other needs, including weddings, vacations, or unexpected emergencies.

  • Unmatched Service

    From the time you are pre-qualified or decide to refinance, right through to the closing, you will experience responsive service and quick turnaround on your requests.

Mortgages

Fixed-Rate Mortgages

A fixed-rate mortgage has an interest rate that remains the same for the life of the loan. In other words, your total monthly payment of principal and interest will remain the same over time.

Adjustable-Rate Mortgages

With an adjustable-rate mortgage (ARM), your interest rate may change periodically with the first adjustment being in five, seven, or ten years—which means your mortgage rate will rise if rates are higher at the period built into your loan. ARMs are ideal if you’re planning to live in your existing home for a short time, or if you’re expecting your income to grow in the future.

Community Lending

Buying your first home is now easier than ever. As a participating lender we offer various affordable mortgage programs. Click here to learn more.

Apply Today!

Home Equity Loans

A home equity loan gives you the opportunity to borrow against the equity in your home for home improvements, tuition, a new car, debt consolidation or just about any other worthwhile purpose. Unlike a home equity line of credit, a home equity loan is a one-time lump sum loan that you will pay off over a set amount of time, with a fixed interest rate.

TCB offers a variety of terms. Ask one of our mortgage financing specialists for details. This type of loan may also offer tax benefits. Consult with your tax advisor to understand how a home equity loan may affect your personal tax picture.

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Home Equity Lines of Credit

A home equity line of credit (HELOC) gives you the opportunity to borrow against the equity in your home for home improvements, tuition, a new car, debt consolidation, or just about any other worthwhile purpose.

Unlike with a home equity loan, with a HELOC you are approved to borrow up to a certain amount, but you only pay interest on what you actually borrow. In this way, a HELOC works a lot like a credit card, but often with lower interest rates. Ask one of our mortgage financing specialists for details.

The interest you pay on your HELOC may be tax-deductible. Consult with your tax advisor to understand how a home equity line of credit may affect your personal tax picture.

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