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Cash Management

Remote Deposit Express

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Nearest ESB Location

Select the branch that you are
trying to find.

Don’t forget the extras…

Opening your ESB account is just
the beginning. Don’t forget these
extras to make your experience
more rewarding!

  • FREE Internet Banking
  • Cash Management
  • Savings Account
  • ESB Debit Card

Mortgages

Looking to purchase or refinance a home? At ESB, we have the right rates and terms with an experienced staff to help find the financing option that is right for you. Call or stop by to see how we can get you closer to owning the home of your dreams.

Mortgage Application Checklist

Below is a list of items you will need to gather to make the application process a smooth one.

  • Paycheck stubs from the last 30 days that show year-to-date earnings.
  • Current W-2 forms and most recent tax return. If you are self-employed, earn commissions, overtime, or bonuses totaling over 25% of income, please provide personal and/or corporate tax returns from the past two years.
  • A current bank statement for all checking and savings accounts.
  • Current statements for CDs, IRAs, stocks, bonds and other securities, if you intend to use any for down payment.
  • Your social security number(s).
  • The address(es) of your residence(s) of the past two years, plus the names and addresses of any landlords during that time.
  • The names and addresses of all employers for the past two years.
  • A list of all monthly debts (auto loans, student loans, mortgage loans, credit cards, etc.), creditor's names, addresses, your account numbers, minimum monthly payment amounts and balance due on each account.
  • Information on any real estate you already own, including property address, current market value, mortgage lender's name and address, loan account number, balance and monthly payment.

Loan Type Table

Loan Type

Features

Benefits

Fixed Rate Home Loans
  • Fixed rate and payment
  • Many different terms
  • No prepayment penalties

Fits easily into budget with no stress over change in payment.

Adjustable Rate Mortgages (ARMS)
  • Annual Rate caps

Fits other budget needs.

Government Programs
(VA, FHA, KHC, RHS)
  • Fixed rate
  • Up to 100% financing
  • Down payment assistance available

Great for those who are buying their first home with little or no down payment.

Construction Loans
  • Interest only payments during construction
  • Maximum term 12 months

Can be used for a new residence construction, addition or remodel of existing structures.

Home Equity Loans
  • Fixed or variable rate
  • Fixed payment terms
  • Up to 90% of available equity

Use the equity in your home for home improvements, college tuition, or anything you might need.

Home Equity Line of Credit
  • Flexible payment plans
  • Check access with revolving feature
  • Up to 90% of available equity

Funds are available to you when you need them. Interest may be tax deductible.*

*consult with your tax advisor