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Loans Residential Loans
Everyone dreams of owning their own home. Whether you are buying or building your first home, your second home, or buying a lot today with plans to build tomorrow, your experienced partners here at Bank of Lancaster want to help make your dreams come true. Our loan programs cover a wide variety of traditional real estate loan products:
- Residential Purchases & Refinancing
Purchasing a home, possibly your first or refinancing your existing mortgage
- Lot Loans
Purchasing land only
- Construction/Permanent
Loan based upon completed value
We have the ability to design a loan package with a payment schedule that will fit your financial plan.
- 1,3, and 5-Year ARMs (Amortized 15,20,25, or 30 years)
- 10-Year Fixed Rate
- 15, 20, and 30-Year Fixed Rate Conforming Loans
- Pre-qualifications
Additional benefits:
- Competitive Rates
- Prompt credit decisions
- Timely closings
- Minimal paperwork
As a valued mortgage loan customer, we have created a special checking account just for you – Bay Advantage. Click on Bay Advantage to find out more about its advantages and special features.
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Discover the benefits of using
your hometown, community bank
for your real estate loan needs.

Margaret Eppes Curtis
Vice President &
Real Estate Loan Officer
100 S. Main Street
Kilmarnock, Virginia
(804) 435-4133
mcurtis@banklanc.com
Our experienced staff will be happy
to provide you with specific product information
tailored to meet your needs. Come by and visit
any of our Branch Managers at an office conveniently
located near you or contact any of our
Real Estate Loan Originators and let us help
make your dreams come true!
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