A couple standing in front of window in home


Buying? Building? Refinancing? Make your move!

A real estate purchase should not be complicated. Pioneer Bank in-house financing means quick turnaround on decisions on both conventional and non-conforming loans for construction, land-only, mobile home, vacation homes, farmland, and other real estate.

Make your best offer with Pioneer Bank financing in hand.

Call one our friendly loan officers or visit a branch to learn more about:

  • Competitive conventional fixed rate options or adjustable rate mortgages
  • Up to 30-year terms for purchases and refinances
  • Construction loans and land-only financing
  • Life and disability insurance available

Home Mortgages

There’s no place like home. Make your move with a Pioneer Bank mortgage.

  • Fixed rate options up to 30 years
  • 3/5/7-year ARM
  • Up to 30 years to “stick built” and “modular” homes
  • Up to 20 years for mobile/manufactured/“double-wide” homes

First-time Home Buyers

Shop with confidence with pre-qualified financing from Pioneer Bank.

  • 5-year ARM
  • Up to 30 years
  • As little as 5% down
  • 660 minimum credit score

Construction Loans

Looking to build? We can customize a financing package.

  • 80% LTV for stick or modular construction
  • 70% LTV for mobile construction with a permanent foundation

Unimproved Land

Improve it with Pioneer Bank financing.

  • 65% LTV
  • 3/5-year ARM

Home Equity

Home Equity Lines

Use for home improvements, education, vacation, personal expenses, debt consolidation and more.

  • Revolving line of credit for 10 years
  • Monthly payment based only on the amount you have used
  • Competitive variable interest rates

Home Equity Loans

Make your investment work for you.

  • Up to 10-year terms
  • Competitive fixed rates
  • Fixed monthly payments