Find Your Home Faster with Local Loan Decisions
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. Call a hometown mortgage specialist at 270-659-3546
or apply online now. Need a branch? See all locations.
or apply online now. Need a branch? See all locations.
Why Borrow with ESB?
- 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
- Local approval and servicing on the vast majority of loans
- Cash-out refinance and home-equity loans for upgrades, tuition, or debt consolidation
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 |
Estimate Your Payment
Use the quick calculator below to see an estimated monthly payment. For more tools—affordability, refinance, equity—visit our Tools & Calculators page.
Next Steps
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 is a full-service financial institution with locations throughout South Central Kentucky, and Middle Tennessee.
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