Lending Hub

Competitive Rates & Terms

Affordable Rates. No Hidden Fees!

Consumer & Home Loans

If you’re looking for someone to guide you through the lending process, you’ve come to the right place. Our lenders make borrowing simple with competitive rates and terms.

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Mortgages

Make your dreams a reality with up to 100% financing. No Private Mortgage Insurance (PMI) Required.

  • Construction Loans
  • Purchase Your Dream Home
  • Refinance Your Home
  • Master Settlement Services – A Full-Service Title Agency

Personal Loans

Secured and Unsecured Options

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Personal Lines of Credit

Secured and Unsecured Options

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Auto Loans

Financing for ATVs, boats, cars, motorcycles, & farm equipment

  • Terms up to 72 months
  • New Vehicles – Up to 100% of purchase price
  • Used Vehicles – Up to 90% of purchase price or book value, whichever is less
  • Farm Equipment – Up to 80% of invoice or book value, whichever is less

Land Loans

10 Year Term

  • 65% loan-to-value unimproved land
  • 75% loan-to-value improved land

Bridge Loans

Available for consumers establishing a new mortgage with NexTier Bank

  • 1st Lien
  • 80% loan-to-value
  • Interest only for 6 months

Explore Loan Solutions

Consumer Loans

Fast Approval. Flexible Terms.
Overview
  • Easy Application Process
  • Local Lender to Guide the Process
  • In-House Title Insurance and Closing Services available through Master Settlement Services
Explore Mortgages
Our Process

Prequalification
Real Estate Agent Letter to determine maximum amount you can afford

Loan Application
Step One: Submit Your Application
Step Two: Review Your Application
Step Three: Arrange for Appraisal
Step Four: Prepare Documentation
Step Five: Set Closing Date

Choose Title Agency
Consider using our Master Settlement Services, a full-service title agency

Home Equity Loans

Up to 100% of Your Home’s Value

Let the equity of your home work for you.

Overview
  • Competitive interest rates
  • The full loan amount upfront
  • Security of a fixed interest rate
  • Convenience of fixed
    monthly payments
  • A predictable payoff schedule and
    no penalty if paid off early
  • Benefit from interest that may be tax
    deductible (consult your tax advisor)
Fees and down payments
  • Our Standards Low Fees & Rates
Rate Information
Check Rates
  • Fixed-rate or Adjustable-rate Options
  • For more information, contact us

Home Equity Lines of Credit

Up to 100% of Your Home’s Value

A flexible, convenient credit line with no closing costs.

Overview
  • Competitive interest rates
  • Flexibility: apply once and access
    your credit line anytime
  • Repayment options: Make interest
    only or principal + interest payments
  • Low monthly payments
  • Pay in full and keep open for future use
  • Benefit from interest that may be tax
    deductible (consult your tax advisor)
Fees and down payments
  • Our Standards Low Fees & Rates
Rate Information
Check Rates
  • Fixed-rate or Adjustable-rate Options
  • For more information, contact us

Meet Our Team

Jean Beers
Jean Beers

Vice President / Consumer & Mortgage Loan Officer

Kristen Pflugh

Vice President / Consumer & Mortgage Loan Officer

Heather Potts
Heather Potts

Vice President / Mortgage Lending Officer

Shirley Simpson
Shirley Simpson

Vice President / Consumer & Mortgage Loan Officer