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Home Mortgages

Whether buying your first home or upgrading from a current one, JBT is ready to help you make it happen with a mortgage that fits you perfectly. We're a local bank, so you'll have the option of having us manage your mortgage right here where you'll live. That means if you ever have any questions on your mortgage, you can get the answers right from people you know at JBT. Look at what a JBT Home Mortgage can do for you:

  • FREE mortgage pre-qualification -- make your best offer with confidence! 
  • Local home loan servicing
  • JBT attends settlement with you

Fixed-Rate Loans 

Fixed-Rate Income Limitation Loans

Many homebuyers prefer to lock in a ‘fixed’ interest rate for the life of the loan. Planning budgets can be easier when you know what your mortgage payment will be every month. With flexible terms up to 30 years, it can be a great choice if you plan to stay in your home for more than a few years.  You can receive up to 95% financing.
To make sure we’re serving the borrowers and communities in the most need, there are income limitations in certain areas.  Homebuyer education and an online homeownership course are available. Flexible terms up to 30 years.  Take advantage of making a down payment of as little as 3%.  You can receive up to 97% financing.

Adjustable-Rate Loans

Construction Mortgage

If you expect personal income to increase reliably in the future, or plan on being in your home only a short period, you may want to consider an Adjustable-Rate Loan.   An Adjustable-Rate Loan’s variable rate may offer a lower interest rate to start, and then readjust periodically (up or down) within pre-determined limits.
Having a local mortgage lender really helps when you need extra flexibility in planning and building your dream home. The experienced JBT mortgage experts can help synchronize all your financing needs so you can focus on more important decisions – like the latest shower tile choices or kitchen cabinetry options. We’ll be happy to customize a complete financing plan to fit your needs.

Custom Financing Solutions

As a local bank, JBT can be more flexible when customizing a financing solution for unusual situations. No matter what you’d like to achieve, just ask us about it. We’ll do what we can to design a customized mortgage solution that fits you and your family perfectly.
Liz Arndt Mortgage Originator

Our goal is to provide the highest level of service at competitive rates. You can apply for your mortgage online or connect with a JBT Loan Officer:

Learn more about the mortgage pre-qualification process or use one of our mortgage calculators.


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