A great home starts with a great mortgage! Whether you’re a first-time homebuyer looking for your starter home or are a more experienced buyer looking to upgrade, Logan Bank and Trust offers a wide range of mortgages. Find the one that’s right for you:
The Key to Homeownership?
LB&T Mortgage Options.
Get StartedSick of renting or just want a place you can call your own?
Whatever your situation, there’s a Logan Bank and Trust Home Loan option to fit your needs. Whether you’re in the market for a mortgage, a refinance, or even a Home Equity Line of Credit, Logan Bank and Trust is your go-to lender.
Father and son walking after playing a game of basketball. Young man and teenage boy having fun, talking and chatting while staying fit, activeLB&T Mortgage Options
- Fixed-Rate Mortgage – When you think of a mortgage, this is likely what you envision. With a fixed-rate mortgage, you’ll enjoy just that – a fixed interest rate for the life of your loan. This allows for easy budgeting since your monthly payment will not change. We offer a variety of terms, including 30-year fixed-rate mortgages.
- Jumbo Loan – A jumbo loan is the perfect option for buyers looking to purchase an expensive property who need a mortgage amount that’s higher than the limit set by the Federal Housing Finance Agency.
- Refinancing – Love your home but not your loan? An LB&T mortgage refinance may be able to help! Many homebuyers come to us to lower their rate, shorten their term or switch from an adjustable rate to a fixed rate.
LB&T Home Equity Line of Credit
No home is perfect. From a leaky roof to an outdated kitchen, sometimes your home needs a helping hand to take it from just okay to yay! A Home Equity Line of Credit (HELOC) can help. Use an LB&T HELOC for:
- Repairs
- Renovations
- Garages
- Swimming pools
- And much more!
Check out our HELOC page to learn more.
Young beautiful woman traveling by car in the mountains using smartphone at sunsetYoung beautiful woman traveling by car in the mountains using smartphone at sunsetBenefits of Financing With Logan Bank and Trust
Whether you’re looking for a house with a view, room to grow, a big front porch or lots of land, all of Logan Bank and Trust’s home loan options come with:
- Competitive Rates – We offer some of the best home loan rates in Logan, WV. Check out our rates page to see for yourself!
- Personalized Service – At Logan Bank and Trust, you’ll always enjoy local decisions and expert guidance from our mortgage professionals. We process our mortgage loans in-house, so you can always expect a local touch to our lending.
- Fast and Easy Application – The first step is often the hardest – that’s why we make applying fast and easy with our convenient online application. Whether you’re looking to get pre-approved or you already made an offer on a house, it’s easy to apply for the funding you need.
Get Pre-Approved
Want to give yourself a leg up in the homebuying process? Get pre-approved!
Being pre-approved not only saves you time in your house-hunting process, but it can also provide you with leverage when you make an offer on a home. In the event there are multiple offers on the home, being pre-approved for a mortgage can make you a “preferred buyer” in the eyes of a seller since you already have your financing locked in, compared to a potential buyer that does not. By being pre-approved, your offer will have a better chance of being accepted!
Ready to get pre-approved?
Young beautiful woman traveling by car in the mountains using smartphone at sunsetMortgage Loan Calculator
Want to see how much home you can afford?
Try out our mortgage loan calculator to give you an estimate of your budget before you apply.
CalculatorTry out our mortgage loan calculator to give you an estimate of your budget before you apply.
Interested?
Unlock your homeownership dreams today with one of LB&T’s mortgage options. View our rates, easily apply online or talk to one of our Logan Bank loan officers below to get started today.
Check out our current mortgage rates!
Check out our current mortgage rates!
Happy single father having fun while dancing with his small daughter after moving into a new apartment. Copy space.Frequently Asked Questions
You can easily view Logan Bank and Trust’s mortgage rates here
Generally, a minimum down payment of 10% is required. However, down payments can vary based on the lender, the borrower’s creditworthiness and property type. Contact us today to see what we can do for you!
Equity is the difference between the value of your home and the remaining unpaid principal balance of your mortgage. For example, if your home is worth $250,000 with a principal balance of $100,000, you have $150,000 in equity.
HELOC stands for Home Equity Line of Credit. Simply put, a HELOC is a revolving line of credit against the equity you have built up in your home. Like the available balance on your credit card, you can use the full amount of your HELOC or borrow against it in smaller increments, and you will pay interest only on the amount you borrow.