Mortgage Loans

Purchasing or refinancing a home is the biggest financial decision most of us will ever make. That's why it's important to put your trust in local hands that are willing to help you at every step.

We offer a wide variety of terms and features, and will take the time to explain and tailor the best way forward for you. Your dream home is just a few clicks away with American Trust!

  • Fixed rates and adjustable rate mortgages (ARMs)
  • Pre-approval available for enhanced buying power
  • Local service and approvals
  • Quick, efficient closing
  • First-time homebuyer programs available
  • Free and discounted American Trust accounts and services for the life of your loan
  • View our current rates
  • Long term fixed rate mortgages are not available on manufactured homes

We recognize the home mortgage process can be confusing to many people. Please see our Mortgage 101 section for helpful definitions and tips.


Enjoy the following free and discounted bank services with your mortgage at American Trust. Services are offered free for the life of the loan and are subject to financial review and approval, the disbursement of a mortgage loan, and the terms of the individual products selected.

  • Free Checking account
  • Free debit card
  • No annual fee Visa® credit card