Mortgage Services
Home Loans Made Easy
Whether you are purchasing a new home or refinancing an existing one, the Planters Bank Mortgage Team is here to help. With lenders you can trust to help you navigate the home loan process, we’re just a call, click or tap of an app away.
Our Team
| Angie Smith NMLS# 490920 931.648.7176 (o) 931.216.6592 (c) Electronic mail is not secure and confidential. Please do not submit personal information via email. Application Options Online In-Person (PDF) |
Amy Orton Application Options |
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Kelly Capps Application Options |
Types of Home Loans
- Conventional – Fixed or adjustable rate options. Low down payments. Your mortgage interest payments may be tax-deductible*
- Refinance – Reduce your interest rate or change your repayment term. Fixed or adjustable rate options. Financing available with the option to include closing costs with sufficient equity.
- Construction – Draw down funds and make interest-only payments as your home is being built. Convert to a traditional mortgage after your new home is finished.
- Home Equity – Keep your primary mortgage unchanged while borrowing against your home’s equity. Get your funds in a single disbursement with fixed-rate, fixed-term repayment options or as a revolving, variable-rate line of credit you can draw down as needed.
*Consult a qualified tax professional for details.
Special Financing Programs
- Veterans Affairs (VA) – Available to military veterans, spouses of service member who died on active duty or as the result of a service-connected disability or spouses of an MIA or POW.
- Federal Housing Administration (FHA) – Available to consumers seeking a low down payment or first-time homebuyers meeting certain requirements.
- Department of Agriculture (USDA) – Available to consumers with limited income seeking a home loan within a rural area.
- Tennessee Housing Development (THDA) – Available to consumers with certain income criteria who are financing a property in Tennessee.
- Kentucky Housing Corporation (KHC) – Available to consumers with certain income criteria who are financing a property in Kentucky.
Planters Bank, Inc. - NMLS#452877. All lender NMLS numbers.
