Your home is your greatest asset. At Jeff Bank we offer an array of mortgage products to help you buy your dream home or just simply spruce up the home you own. Best of all, our decisions are made in house by our trained loan specialists and we will not sell your mortgage to a third party! This gives Jeff Bank the flexibility to extend mortgage loans secured with virtually any type or size property.

• Low closing costs
• No points
• No bank attorney fees
• Up to 90% financing
• Competitive Rates
• Financing available for unique and non-conforming properties


Jeff Bank offers fixed rate loans for up to a 30 year term. A fixed rate mortgage offers the security of knowing your monthly mortgage payment will remain the same over the life of the loan. We offer a variety of rates based on the term of the loan and credit scores.

Jeff Bank also offers several adjustable rate (ARM) products with rates tied to the Treasury Constant Maturity. ARM mortgages offer a lower initial rate and can allow for monthly payments to fit any budget.

  • Available for any size parcel and virtually any type of home, as well as multi-use properties
  • Standard 20% down payment
  • Low closing costs – no points, no prepayment penalties
  • Competitive fixed and adjustable rates up to 30 years
  • Jumbo mortgages available

Home Equity Line of Credit

Jeff Bank offers a variety of Home Equity Line of Credit (HELOC) products to suit any borrower’s needs. We have both fixed and variable rate products.  Each type of HELOC begins with a revolving credit (draw) period followed by a repayment period. The fixed rate HELOC is available with either a 1 or 5 year draw period and a 10 year repayment period. The variable rate HELOC is available with a 10 year draw period and a 15 year repayment period.


Jeff Bank offers construction mortgages with one closing that covers both the construction period and the permanent mortgage.  Mortgages are available for the construction of conventional, modular or log homes.  The purchase of vacant land can be included as part of the construction financing. The initial one year construction period is followed by either a fixed or adjustable rate mortgage. Construction schedules are created in-house and can be tailored to work with your building schedule and there are no construction inspection fees.

Vacant Land

Jeff Bank is one of the few institutions to offer financing for vacant land.  Loans are available for any size parcel.  We offer mortgages at a fixed rate for up to a 20 year term.

Manufactured Homes

Whether it is for purchase, refinance or construction, Jeff Bank is one of the few institutions to offer mortgage financing for manufactured homes. We will finance up to 80% of the appraised value of your home and property with competitive rates and payment terms up to 360 months.

Mobile Homes

Jeff Bank is one of the few institutions to offer financing for mobile homes either in a park or on your land. We offer fixed and variable rate loans on new mobile homes up to 180 months and on used mobile homes up to 120 months.

Seasonal Homes

Jeff Bank offers financing on seasonal homes.

  • 25% down payment
  • Competitive fixed and adjustable rates up to 30 years
  • Jumbo mortgages available