Personal Loans

Stop dreaming. Start living.  Whether you're looking for your first home mortgage or making home improvements, looking to finance a new car, or ready to start a personal project, Summit Community Bank can help make those dreams a reality. Borrow with confidence knowing Summit is by your side, ready to serve you at every stage of the lending process.

  • Mortgage

    Our mortgage loan options include traditional fixed rate and adjustable rate loans up to 30 years. We provide a variety of mortgage products to buy or refinance your home. We also finance second homes and investment properties.

    Our home loan experts will customize a program to fit you and your situation.

    What stage best fits your needs?

    Buying your First Home.
    If you are ready to make your first big purchase, Summit is here to help.
    We offer:

    • Fixed rate and adjustable rate loans that are available for 10, 15, 20 and 30-year terms.
    • A minimum down payment as little as 5%.

    I’m a repeat homebuyer. Upsizing, downsizing or moving into the home of my dreams. If you are buying a new home, we have competitive rates and terms to fit your borrowing needs, including:

    • A wide variety of terms, including 10, 15, 20 and 30-year loans.
    • Maximum loan amount up to 95% of the value of the primary residence.

    I am interested in refinancing my current loan.
    If you are refinancing your loan, we can help you save money and time by:

    • A wide variety of terms, including 10, 15, 20 and 30-year loans.
    • Streamlined processing to get your loan closed quickly.

    CLICK HERE TO APPLY FOR A MORTGAGE LOAN

    CLICK HERE TO FIND A MORTGAGE LOAN ORIGINATOR

    *Credit is Subject to Credit Approval. Some restrictions may apply. Summit Community Bank will take a security interest in the property purchased or property identified in the loan. Property insurance is required and flood insurance may be required. See your local branch for more details.

  • Consumer Loans

    At Summit Community Bank, we offer loans* tailored to your individual financial needs. It's that simple. Whether you're interested in purchasing a new car or making home improvements, our lending professionals will work with you to achieve affordable financing terms. Quick, personalized service is standard operating procedure at Summit Community Bank. You'll also receive competitive interest rates and a choice of payment plans. Call 1-877-776-9722 or visit today for all the details.

     

    *Credit is Subject to Credit Approval.

  • Home Equity Line of Credit

    Summit Community Bank makes it easy for you to leverage the equity in your home to help fund personal needs.

    Loan Calculators

     

      Home Equity Line of Credit (For Line Amount $25,000 or Greater)
    Loan Variable interest rates, tied to Prime, for lines up to 90% of the value of your home
    Term 35 years***
    Closing Cost Summit Community Bank will pay the closing cost up to $1,200.00 (additional closing cost are the responsibilities of the borrower, which are due at account opening).
    Early Termination Fee Closing cost must be paid back if the line is closed within the first three years
    Rates 0.00% APR*
    Introductory Rate for the first 3 months. -Normally ranges from 5.50% APR to 8.00% APR**

    *Credit is Subject to Credit Approval. Annual Percentage Rate (APR) as of 6/15/2018 for new HELOC only. The promotional rate will not apply to any existing Summit Community Bank HELOC customers. Purchase or Bridge Loans transactions are not eligible for the promotional rate and is required to pay all closing cost. After three months, the introductory rate will convert to a variable annual percentage rate. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4.49%. Annual percentage rate may increase after consummation. Bank will pay the closing cost up to $1,200.00 (additional closing cost are the responsibilities of the borrower, which are due at account opening). However, if you close your account within three (3) years, we will add the closing cost to your payoff amount for the reimbursement of those fees. Total closing costs generally range from $100 to $1,500. Some restrictions may apply. Rates subject to change. Limited time offer. See your local branch for more details. Summit Community Bank will take a security interest in the property purchased or property identified in the loan. Property insurance is required and flood insurance may be required.
    ** Normal APR ranges from 5.50% APR ­ 8.00% APR based on your creditworthiness at the time of application.
    *** Home equity lines of credit have an initial draw period of 15 years, followed by a 20-year repayment schedule.

  • Credit Card

    Sign up for your own personal credit card today* and start earning rewards on everyday purchases.

    Contact any local branch to learn more.
    Access your Credit Card Statement Online, click here!
    To request a copy of your cardholder agreement, please call us at 1-877-776-9722 or email us at customerservice@summitfgi.com.
    To access ScoreCard Rewards account, click here!

    *Credit is Subject to Credit Approval.