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Mortgage Center

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Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A Southern Michigan Bank & Trust Loan Officer will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Loan Officers are only a phone call away if you need help. Contact us at 800-379-7628.

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What we offer

HOME MORTGAGES SMB&T offers a number of fixed and variable rate loan options that can help you reach your goals: Purchase a new home or refinance your existing home with a mortgage. Build your dream house with a construction loan. Buy land as an investment or for future building plans with a land loan.

You can apply online for:

CONVENTIONAL FIXED RATE LOANS

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CONVENTIONAL ADJUSTABLE RATE LOANS

    HOME EQUITY LOANS

  • Home Equity Lines of Credit (HELOC)
  • Home Equity Installment
  • No annual fees.
  • Can be used for home improvements and other major purchases.

SPECIALIZED LOAN PROGRAMS. You can apply for these by contacting us.

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    CONSTRUCTION LOANS

  • Work with a lender who knows construction and who can remove the stress of building your dream home. Southern Michigan Bank and Trust will walk you through the process from start to finish.
  • Down payment as low as 10%.
  • Monthly payments of interest-only during the construction.

    USDA RURAL DEVELOPMENT LOANS

  • Borrow up to 100% of the appraised value of a qualified home (no down payment if qualified).
  • Competitive fixed interest rates.
  • Flexible credit & expanded ratios.
  • Must meet area, property, and income requirements.
  • For single family - owner occupied residences.

    FHA HOME LOANS

  • No geographic restrictions.
  • No income limit.
  • Lower closing costs and monthly insurance premiums.
  • Lower down payment requirements.

    FHA 203K LOANS

  • Home improvement loans for primary residencies.
  • LIMITED All-in-one loan for homes that need minor repairs.
  • STANDARD All-in-one loan for homes that need repairs totaling over $35,000.

    VA HOME LOANS

  • Active duty or ex-servicemen and women.
  • Guaranteed by the Veterans Administration.
  • No income limits or down payment required.

    Vacant Land Loans

  • Building Lots
  • Personal Use Property

All loans subject to credit approval. Not all borrowers will qualify.

Loan Officers

The right Loan Officer can help make the process easy. Search for a Loan Officer now.

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