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First Mortgage Loans and Construction Loans

Let Availa Bank's expertise go to work for you to help purchase or build your dream home, refinance your existing home loan to lower your rate or term, or access your equity that you have built-up in your home. Availa Bank offers a variety of loan products to best fit your needs, and our expert lenders work with you to determine the best option for you based on your income, credit and amount of the down payment or equity.

Home Equity Loans and Lines of Credit

Take advantage of being a homeowner and use the equity in your home to obtain the cash you need. Choose a fixed interest rate loan with fixed payments with a Home Equity Loan or enjoy the flexibility of an Availa Bank revolving Home Equity Line of Credit (HELOC) featuring our variable quarterly interest rate product or our 5 year variable rate product. The interest on home equity products may qualify as a tax deduction. Be sure to ask your tax advisor. Minimal closing costs. No application fees or annual fees.

Learn more about a First Time Homebuyer Tax Deduction Savings Account

  • Apply for a Mortgage Online

    Your 24/7 Mortgage Option

    It’s quick. It’s easy. It’s now. Enjoy the convenience of Availa Bank’s online home mortgage application available to you anytime, anywhere and on your schedule.

    Apply Now

  • Tell-A-Friend

    Tell-A-Friend and you’ll both earn a free gift

    Tell- A -Friend about our Simply Free Checking and you’ll both receive a free gift! 
Click here for a printable coupon and to learn how you can get your free gift!

    Tell A Friend

  • Tap. Snap. Deposit.

    Make deposits anytime with mobile banking

    No time to get to the bank or an ATM to make a deposit? With Availa Bank’s mobile banking you can make safe and secure deposits using your smartphone.

    Learn More