The Home Loan Experts
Ready to remodel, buy, or build your dream home? Start with a bank that keeps things close to home.
At Edmonton State Bank, your loan is handled locally from start to finish. Decisions are made right here by people who know you and your community, and your loan management stays local after closing. The result? A smoother process and getting started sooner.
As The Home Loan Experts, we're here to help you build your dream today—backed by generations of good banking you can trust.
Why Borrow with ESB?
- Local decision-making and servicing—your loan isn't handed off to an out-of-state servicer after closing
- Competitive local rates that keep monthly payments in check
- Flexible terms up to 30 years to match your budget
- Special construction-loan pricing for custom builds
- Zero-down options for qualified buyers
- Fast online pre-qualification—no branch visit required
- Cash-out refinance and home-equity loans for upgrades, tuition, or debt consolidation
- Generations of good banking—the kind of trust you can only earn over time
Mortgage Options at a Glance
Loan Type: |
Best For: |
|---|---|
| Fixed-Rate Mortgage | Predictable payments over the life of the loan |
| Adjustable-Rate Mortgage (ARM) | Short-term owners or those expecting income growth |
| Jumbo Mortgage | Loan amounts above conforming loan limits |
| Construction-to-Perm Loan | Building a custom home or major renovation |
| Bridge Loan | Buying a new home before selling your current one |
| FHA / VA / USDA |
Government-backed options with flexible credit and down payment terms |
| Cash-Out Refinance | Turning built-up equity into cash for big projects |
| Home-Equity Line / Loan |
Ongoing or one-time funds for improvements or large expenses |
Next Steps
Before you tour neighborhoods or scroll listings, spend 15 minutes with Edmonton State Bank and lock in a pre-qualification. You'll know exactly what you can afford, and sellers will know you're serious.
1. Pre-Qualify Online: Complete a short, secure application and view rates tailored to you.
2. Talk to a Local Loan Specialist: Call 270-659-3546 or stop by your nearest branch. Local decision-making
means faster approvals and fewer surprises.
Edmonton State Bank. Your Bank. Your Team.
Contact one of our Mortgage Loan Officers for more information:
Allen County
Jennifer Wells: 270-237-4474
Billy Bishop: 270-237-4474
Adam Tabor: 270-237-4474
Barren County
Tommy Parke: 270-659-3546
Candace Wilson: 270-659-3546
Daniel Baker: 270-659-3546
Lucas London: 270-659-0171
Pamela McKinney: 270-659-0171
Andrea Gentry: 270-659-0171
Metcalfe County
Gary Garmon: 270-432-3231
Nathan Fields: 270-432-3231
Laurel Garrett: 270-432-3231
Monroe County
Becky Craighead: 270-487-6123
Sumner County
Jamie Clayton: 615-451-4151
Jesse Kissinger: 615-590-4100
Haley Meredieth: 615-452-8877
Warren County
Steve Atwell: 270-842-3333
Edmonton State Bank NMLSR ID: 479226