MORTGAGE LENDING & PERSONAL LOANS

MORTGAGE

MORTGAGE LENDING & PERSONAL LOANS

MORTGAGES & LOANS

mBank has a variety of mortgage lending options available. Whether you're buying your first, second, or fifth home, refinancing, building, or renovating we got you covered.

> Electronic Mortgage Features > Simplified Online Mortgage Application Process > E-Signature(s) Available

MORTGAGES

> Conventional Fixed Rate Mortgages A secondary market home loan product with term lengths up to 30 years. Offers you a long-term fixed interest rate and consistent payment amount each month.

> USDA Rural Development Loans* Fixed rate financing that offers up to 100% financing for low to moderate income households in rural areas.

> In-House Portfolio Loans mBank's In-House Portfolio Loans offer tailored and flexible terms for unique situations that otherwise wouldn't qualify for Conventional Fixed Rate Financing.

Fixed Rate ? Provides a piece of mind that rates will not change over the life of the loan. Adjustable Rate Mortgages (ARM Rates)1 ? Allows for lower monthly payment than shorter term fixed rate financing with terms up to 30 years.

> Vacation, Second, and Investment Home Loans Fixed rate or ARM products tailored to specific property types and locations.

> Construction Loans Interest only loans designed to help build that dream home or renovate a home into a dream home with terms and requirements designed to meet the needs of the communities we serve.

> Vacant Lot Loans and Vacant Land Loans

Fixed rate or ARM products designed to finance that piece of land or lot you've always dreamed of.

REFINANCING

Refinancing provides many potential benefits, including the option to convert a variable loan rate to a fixed rate, obtain a lower interest rate, consolidate debt, or reduce your monthly mortgage payment. "No cash out" and "cash out" refinancing options are available.

HOME EQUITY LOANS

Leverage the equity in your home to finance debt consolidation, home repairs and improvements, and more.

> Home Equity Line of Credit A revolving account that allows you to access available funds as needed. A perfect option for a specific project that may be completed over time or to provide you with quick access to cash.2 You may be qualified to borrow up to 90% of the appraised value of your home.3 > Second Mortgages1 A variable-rate loan product that lets you borrow against the equity in your home for a set term.

INSTALLMENT LOANS

Installment loans offer a fixed interest rate with consistent monthly payments for nearly any type of need. Your next car, boat, vacation or anything else you dream up is closer than you think!

All loans subject to credit approval. Rates subject to change without notice. Please see your mBank account representative for current rates and terms. Loan amount limitations and certain restrictions apply. 1 Variable periodic rate. Rate and corresponding payments may increase after origination. 2 Payment based on outstanding principle balance of loan. Interest rate is variable and

corresponding rate and payment may increase after origination. 3 Payment based on outstanding principle balance of loan. Rate and corresponding

payments may increase after origination. *Subject to program guidelines, qualification and availability of funds.

TO LEARN MORE Visit your local branch Call 888.343.8147 Go to

Equal Housing Lender. Member FDIC. ?2019 mBank. | NMLS #465939

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