Mortgage Loans

Pay for education, renovate your home – whatever the situation, you'll be ready with the Shelterline Home Equity Line of Credit (HELOC).

• Access up to 80% loan-to-value
• APR as low as 8.000%
• Instant transfers during the 10-year draw period
• Credit line from $15,000 to $325,000
• Balance payoff period from 60 to 180 months
• No closing costs

Residence must be in Tennessee. Download the Shelterline Early Disclosure (PDF, 117 KB).

Access up to 10% more equity with the Shelterline Plus Home Equity Line of Credit (HELOC).

• Access up to 90% loan-to-value
• APR as low as 10.250%
• Instant transfers during the 10-year draw period
• Credit line from $15,000 to $325,000
• Balance payoff period from 60 to 180 months
• No closing costs

Residence must be in Tennessee. Download the Shelterline Plus Early Disclosure (PDF, 117 KB).

Let your home equity work for you. Consolidate debts or make a big purchase with longer terms and lower rates compared to unsecured loans.

• APR as low as 7.625%
• Borrow for 5, 10, or 15 years for fixed rate loans
• Borrow for up to 20 years for variable rate loans
• Borrow up to 90% loan-to-value
• No application fee and low closing costs

A fixed rate mortgage provides a constant monthly payment for the life of the loan. It is the most recommended option when rates are low.

• Fixed rate for life of loan
• In house and secondary market financing available
• No PMI with 85% LTV or less
• Same low rate on jumbo loans over $726,200
• Terms of 10, 15, 20 and 30 years

If you expect to move or refinance in a few years, then a balloon loan might be your best option.

• Fixed rate for life of loan
• No PMI with 85% LTV or less 
• Payment amortization up to 30 years to help lower payments
• Terms of 7 and 10 years

Have you found the perfect lot or acreage but not ready to build? Start making your dream a reality with a land loan.

• Fixed rate for life of loan
• Terms up to 20 years

Land loan applications are not available online. Please contact us for more information.