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 fixed rate or adjustable rate options
  • Up to 30-year terms for purchases and refinances
  • Construction loans and land-only financing
  • Options for non-conforming properties or borrowers

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, and 7 year adjustable rate options up to 30 years
  • Up to 30 years for “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 adjustable rate
  • Terms up to 30 years
  • As little as 5% down
  • 700 minimum credit score

Construction Loans

Looking to build? We can customize a financing package.

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

Unimproved Land

Improve it with Pioneer Bank financing.

  • Up to 80% LTV
  • 3 and 5 year adjustable rate options
  • Terms up to 15 years

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 20 year terms
  • Competitive fixed and adjustable rate options