Mortgage, Construction Loans & Home Equity Lending | Reliance Bank

 Your Local Mortgage Partner

 

Whether you're buying your first home, building your dream home, refinancing an existing mortgage, or using your home's equity to fund future goals, Reliance Bank provides local guidance from application to payoff. Talk to a local lender about your unique financial goals today.

 

Get Pre-Qualified

 

Let's Find the Right Financing Solution


Tell us about your home buying plans. We'll take it from there.

Answer a few quick questions about your home buying scenario, and a Reliance Bank mortgage lender will reach out to discuss available financing options. 


Buy a Home

Purchase a primary residence, additional home, or investment home with financing options designed around your goals.
 

Build a Home

Simplify the construction process with one application, one closing, and one local team guiding you from start to finish.

Access Home Equity

Turn your home's value into financing for renovations, debt consolidation, education expenses, or unexpected costs.

Explore Home Equity Options


Buy Land

Secure the property and take the first step toward building the home you envision tomorrow.
 

Mortgage Solutions for Every Stage of Homeownership

 
Finding the right mortgage isn't just about securing a rate. It's about choosing a loan that fits your budget, timeline, and long-term financial goals. Our local mortgage lenders work directly with you to understand your needs and recommend a financing solution that makes sense for your situation.

Fixed-Rate
Mortgages


Considered one of the most popular conventional mortgage options to finance a home over your choice of 15, 20, or 30 years.
Fixed-Rate Mortgage Details

 Adjustable-Rate (ARM) Mortgages


An adjustable-rate (ARM) mortgage may offer a lower initial rate that can adjust periodically after a set period of time. 
Adjustable-Rate Mortgage Details

Freddie Mac’s Home Possible® Mortgages


Down payment and closing cost assistance for those that need it most.
Freddie Mac's 
Home Possible® Details

Refinance to Meet Your Goals


Discover options to lower your monthly payment, shorten the term of your loan or consolidate debt.
Refinancing Details

Federal Housing Administration (FHA) Loans


Loan with flexible credit score requirements that may help make home ownership more accessible.
FHA Loan Details

Veterans Administration (VA) Loans


A mortgage designed to help turn our brave service personnel into homeowners.
VA Loan Details












Building a Home?

 
Work With a Local Team That Understands the Process


Building a home involves more moving parts than a traditional purchase. From purchasing land to coordinating builders and managing draws, our Mortgage Team can help simplify the process every step of the way.



Construction Loans


A loan that can help make your next build simpler—one application, one appraisal, one closing.

Construction Loan Details

Building Lot Loans


A loan to help you buy the land that will become the foundation of a happy home.

Lot Loan Details



















Put Your Home's Equity to Work


As you build equity in your home, you may be able to use that value to finance major expenses without refinancing your existing mortgage.

Home Equity Loans & HELOCs

Home Equity Loan

 
Best For:
  • Fixed budget projects
  • Debt consolidation
  • One-time expenses
 
Benefits:
  • Borrow up to 89% of your home's appraised value
  • Fixed interest rate
  • Predictable monthly payments
  • Lump-sum funding
  • Variety of loan terms
 

Home Equity Line of Credit (HELOC)

 
Best For:
  • Ongoing renovations
  • Emergency expenses
  • Flexible access to funds
 
Benefits:
  • Borrow up to 89% of your home's appraised value
  • Draw funds as needed
  • Pay interest only on amounts used
  • Reusable line of credit
  • Lower interest rate than most credit cards
 

A young couple holding keys to their new house.

Why Homebuyers Choose Reliance Bank

Large lenders may process thousands of loans each month. At Reliance Bank, you'll work directly with experienced local mortgage professionals who understand the communities we serve and remain accessible throughout the process.

  • Local Lending Decisions
  • Local Mortgage Experts
  • Fast Communication
  • In-House Servicing Relationships
  • Guidance Beyond Closing
  • Community-Focused Bank

Your Mortgage Journey Made Simple

 
Step 1
  • Get Pre-Qualified
    Understand your budget before shopping.
Step 2
  • Choose Your Home
    Find the right property with confidence.
Step 3
  • Apply for a Mortgage
    Submit your application with guidance from our team.
Step 4
  • Close on Your Loan
    Finalize your loan and receive your keys.
Step 5
  • Stay Connected
    Continue working with a local bank after closing.






Local Service for the Life of Your Loan

 

We believe your mortgage experience shouldn't end at closing. When your loan is serviced locally, you continue to receive the personal attention and convenience you deserve.

 

  • Access your mortgage information alongside your checking, savings, and other accounts through Online & Mobile Banking. View balances, payment history, and make payments without managing multiple logins or portals.
  • Have a question about your mortgage payment, escrow amount, property taxes, or homeowners' insurance? Call our local team and get answers from real people, without navigating automated systems or call centers.





























Woman using a calculator on her phone and laptop.

See what you can afford with a calculator built for real‑life budgets.


Run the numbers in seconds with our easy mortgage calculator. Compare rates, adjust terms, and understand your monthly payment before you commit.
 


Frequently Asked Questions

A home equity loan provides a lump sum with fixed payments, while a HELOC functions as a revolving line of credit that can be accessed as needed.

Qualified borrowers may be able to borrow up to 89% of their home's available equity.
A common myth is that you need a 20% down payment to buy a home. Depending on the loan program and borrower qualifications, other options may be available. A mortgage lender can help identify available options. 

Yes. Construction loans are specifically designed to finance the building process and are structured differently than traditional home purchase loans.

It's a good idea to speak with a lender before you start looking at homes. Understanding your budget and financing options early can help you save time and strengthen your position when you're ready to make an offer.

While requirements vary, common documents include proof of income, tax returns, bank statements, identification, and information about current debts and assets.








Let's Talk About Your Mortgage Goals

Whether you're just browsing, looking for answers, or ready to apply, submitting a few details about your unique scenario will help us take a personalized approach to your Mortgage Journey. Simply fill out the form at the link below and a member of our Mortgage Team will contact you using your preferred method of communication.

Not an application -- no credit inquiries, commitments, or unsolicited phone calls.

View Inquiry Form