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Home Mortgages

Get a competitively low mortgage rate and flexible terms to open the door to your new home. The Clay City Banking Company understands the importance of your purchase — which is why we provide dedicated, personal attention throughout the home-buying process.

Don't go across the country to finance a home right here in Southeast Illinois — where we make all our loan decisions locally!

  • Convenient mortgage options
  • Fixed rate mortgage
  • Balloon mortgage
  • Competitively low interest rates
  • Flexible terms
  • Local Southeast Illinois decision-making
  • Dedicated, personal attention
  • See if we can help you refinance and save!

Start Your Path to Homeownership!

  • Step 1: Pre-qualify to determine the mortgage amount you can afford
  • Step 2: Determine the appropriate type of loan for your needs
  • Step 3: Compare the current interest rates and fees
  • Step 4: Visit any location to obtain a mortgage loan application

If you have equity in your home, now may be the time to refinance. Refinancing can help you:

  • Lower your monthly payments
  • Pay off your mortgage more quickly
  • Lock in a lower rate
  • Consolidate debt
  • Complete the remodeling or renovation project you've been contemplating
  • Find the funds to upgrade your everyday purchases

The Clay City Banking Company can make this easy. You can get the refinancing process started using three basic steps:

  • Step 1: Determine the rate you are paying on your current mortgage
  • Step 2: Contact one or our loan officers to get customized rate quotes and to determine the closing costs associated with refinancing
  • Step 3: Visit any location to obtain a mortgage loan application