• Revolving credit, with ongoing access to funds
  • Repay any portion of the principal balance at any time without a prepayment penalty
  • 85% of your vacant land value
  • 90% of the value of recreational properties, second homes, and residential property


  • Work with the only lender in town who provides a line of credit for recreational property
  • Accessible buying power at your fingertips
  • Borrow as much or little as you need
  • Make interest-only payments if you choose
  • A lower interest rate than most other forms of credit


  • Apply online - easy & convenient
  • Access your line of credit at any time by transferring the funds using Bank Online
  • Monitor your loan and make payments through Bank Online

Use Your Requity Line to...

  • Consolidate Debt
  • Build a Cabin or Cottage on Vacant Land
  • Install a Dock or Buy a Boat
  • Renovate your Cabin or Cottage
  • Buy a Camper or an RV
  • Take a Vacation
  • Make Tax Payments
  • Pay off High-Interest Credit Cards
  • Repay Medical Expenses
  • Finance an Education

Mortgage Loan Checklist

Begin the process fully-prepared, from there we're confident it will be smooth sailing.

  • Completed Mortgage Loan Application
  • Purchase Agreement with Any Addendums (not needed to refinance)
  • Two Recent Pay Stubs
  • Most Recent W-2
  • Current Bank & Investment Statements
  • Loan Payment Information
  • Personal Tax Return
  • Driver's License
  • Homeowner's Insurance
  • Property Tax Bill
  • Business Tax Returns & Certified P&L (if self-employed)