A young woman and an older woman embracing

Personal Home Loans

We can help put you in a happy place.

Go ahead, shop around. Explore neighborhoods, examine floor plans, evaluate architectural designs. But when you finally decide on your next home, come to ESB for first-rate personal service and a wide variety of affordable mortgage options.



Our mortgages are designed for maximum comfort

At ESB, our mortgage specialists know that home financing isn't a one-size-fits-all deal. We'll explain the details and advantages of our many loan offerings and help you choose one that suits your current finances and future plans.

  • Competitive rates
  • Flexible repayment terms up to 30 years
  • Special low rates on new Construction Loans
  • Zero down payment loan options
  • Convenient online application to begin process
  • Local decision-making and loan servicing
  • Tap into your home's equity for a "cash out" refinance or a low-cost home equity loan or line of credit

Mortgage Products

Looking for long-term stability? Need a larger-than-average mortgage? Want to build your own home? Whatever your needs, there's an ESB mortgage product to fill your sweet spot.

  • Fixed-Rate Mortgages: Plan for the future with confidence by locking into affordable rates that won't ever change.
  • In-House Adjustable-Rate Mortgages: Take advantage of a potentially lower rate and less rate tape by opting for an in-house adjustable-rate mortgage.
  • Jumbo Loans: Need a big house for a growing family or relocating to a more expensive neighborhood? ESB offers affordable rates on Jumbo Loans exceeding the conforming loan limit.
  • Federal Housing Administration (FHA): Down payments as low as 3.5% and flexible credit guidelines have been attracting homeowners for generations.
  • VA Loans: A grateful nation rewards active-duty service personnel, veterans and reservists with loans that require zero down payment with no private mortgage insurance (PMI).
  • USDA Rural Housing: Inquire about this program that features 100% loan financing and flexible credit guidelines.
  • Construction Loans: Are you thinking about building your dream home? We offer construction loan rates as low as 1.99% (3.36% APR) if your primary checking account is with ESB.
  • Bridge Loans: Need to close on your new home before selling your current place? A short-term bridge loan can give you the financial resources to make that happen.

Home Equity Products

There are countless benefits of home ownership. Here's a big one: You can leverage your home's value to get a low-cost loan that can be used for almost anything at all. From kitchen renovations to family vacations, it's your ticket to making good things happen.

  • Home Equity Loans provide cash in lump sum
  • Home Equity Lines of Credit provide access to a loan fund that you can tap into as often as you want over a period of 10 years
  • Loan and credit limits depend on the equity you have in your home, which is the current market value minus any outstanding mortgage balance
  • Funds can be used for home repairs, landscaping, major purchases, weddings, and almost anything else you can imagine
  • Funds can also be used to pay off higher-interest debt and credit card balances
  • Interest paid on Home Equity loans and credit lines may be tax-deductible; consult your financial advisor for details 











Edmonton State Bank is a full-service financial institution with locations throughout South Central Kentucky.
Business woman holding a large shipping box
Business Checking

A business checking account can help keep your business operations efficient and cost-effective.