FSB provides financing for real estate purchases, refinances and cash-out loans. Loans may be amortized up to 20 years. The loan amount cannot exceed 70% of the appraised value of the property. Large acreage parcels of more than 40 acres have a maximum loan to value of 65%.   Below is a list of the information that you will need to provide to apply for a Real Estate Loan.

• The last 3 years Personal Tax Returns.
• The last 3 years of Business Tax Returns (if a separate return is filed). 
• Annual Financial Statements for the past three fiscal years.
• Personal Financial Statement.

This information enables us to better understand your business and how it operates. At FSB, all credit decisions are made locally, and we strive to tailor our financing solutions to meet your needs. Repayment schedules can be designed to match your unique cash flows.