Vinton County National Bank

Mortgage Loans

Let us lead the way!

Buying a home can be life changing, let us be your guide! Whether you’re a first time home buyer or have experience, our lenders at VCNB can provide you with loan options that fit everyone’s unique situation. 

VCNB has been fostering life-long relationships with customers since 1867. We not only have great loan options, but we put experience and care into each and every relationship we create.

We offer a variety of loan options:

Work with an experienced local lender who can provide you with the right loan and unmatched service excellence.

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We value your time so we make it easy to Pre-Qualify or Apply Online.

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Saving for a New Home?
We offer a special savings account that can help you achieve your goal. Check out Ohio Homebuyer Plus!

Ohio Homebuyer Plus

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Vinton County National Bank

Vinton County National Bank

Checking Account

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What is a mortgage?

A mortgage is a loan used to purchase a home or other real estate. With a VCNB mortgage, you borrow funds to buy a property and repay the loan in monthly installments, including principal and interest, over an agreed-upon term.

Who is eligible for a mortgage with VCNB?

Eligibility is based on several factors, including your credit score, income, employment history, and debt-to-income ratio. VCNB offers options to fit a variety of financial situations.

What types of mortgages does VCNB offer?

VCNB offers several mortgage options, including:

How do I apply for a mortgage with VCNB?

You can apply for a mortgage online, in person at any VCNB branch, or by contacting one of our mortgage specialists. You’ll need to provide financial documents such as proof of income, bank statements, and tax returns.

How long does the approval process take?

The timeline for mortgage approval varies depending on the complexity of your application. In general, the process can take anywhere from a few days to a few weeks.

What is pre-qualification, and how does it work?

Pre-qualification is an initial evaluation of your finances to estimate how much you may be able to borrow. It’s a quick and simple way to determine your home-buying budget.

What loan terms does VCNB offer?

VCNB provides flexible loan terms ranging from 10 to 30 years, depending on the type of mortgage you choose. View our current mortgage loan rates.

Can I lock in my interest rate?

Yes, VCNB offers rate lock options. This allows you to secure your interest rate for a specified period, protecting you from potential market rate increases during the loan process.

Can I refinance my mortgage with VCNB?

Yes, VCNB offers mortgage refinancing options that may help you lower your interest rate, reduce your monthly payment, or access your home’s equity. Contact us to learn more about refinancing.

Does VCNB offer construction loans?

Yes, VCNB provides construction loans to finance the building of your new home. These loans are structured to transition seamlessly into a permanent mortgage upon completion of the construction.

Can I pay off my mortgage early?

Yes, VCNB allows early mortgage payoff without penalties. Making extra payments can reduce the loan term and the total interest paid.

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