Fixed & Adjustable Rates

Fixed & Adjustable Rates

Fixed Rate Mortgages

With a fixed-rate mortgage, your interest rate will not change throughout the life of the loan. Therefore, the principle and interest part of your monthly payment will not change. If you think you might be in your home for a long time, you might appreciate that extra bit of stability in your loan rate.

Adjustable Rate Mortgages

With an adjustable-rate mortgage (ARM), you’ll leverage a lower initial interest rate to make lower monthly payments. During an adjustable phase, the monthly principal and interest payments change based on a schedule and an external financial index.

Ready to get started?

Pre-Qualify or Apply Now Find a Lender

Here’s what to have ready.

  • Tax returns for the past two years
  • W2s from all employers for the past two years
  • Names and addresses of each employer for the past two years
  • Pay stubs for most recent full month
  • Residence addresses for the past two years
  • Most recent bank statements

All loans are subject to application and credit approval.

Online Loan Payments
At Vinton County National Bank, we make managing your mortgage loan easy. Set up electronic loan payments, payment reminders, and other helpful features. It’s a hassle-free way to manage your loan. Click here for online payment resources.

More questions?
Chat with us online or click here to ask a question.

Contact Us Now

Vinton County National Bank

Vinton County National Bank

VCNB Mobile

Access your bank account right from your phone with VCNB Mobile.

Read more