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Whether you are a first-time homebuyer or a long-time homeowner, you might think applying for a mortgage is intimidating. We understand you have questions and we’ve got answers. So, let’s get you a home loan that will make you comfortable.

Everything begins with finding the loan that is the right fit for you. What works for one of our customers may not work for you. Knowing this fact, we offer a variety of loans to suit most situations. Everything from traditional options to loans for customers ready to step up to a larger home as well as programs for first time homebuyers, veterans, public safety and education employees.

Conventional – The most popular type of mortgage loan, it’s ideal for borrowers with good or excellent credit. It’s not government insured so there are typically few hurdles. The down payment could be as low as 3% but you typically need to include mortgage insurance.

Wherever you are, PINACLE provides you with the tools and resources you need in order to move your business forward. Initiate account transfers, ACH batches or wires, manage your receivables and disbursements, or stay informed of your organization’s daily cash position, PINACLE has what you need to tap into your business 24 hours 7 days a week. Request your loan straight from your mobile phone, or computer. You may be approved in minutes, and your cash will be deposited straight into your bank account. Fill out our form to request the loan you've been searching for with Pinnacle Financial. When you’re ready to move forward with your life, but your home is holding you back, that’s where PINNACLE. steps in. A team of design professionals is trained to see what changes are needed to elevate your home, inside and out, with no cash out of your pocket until it’s sold.

Jumbo – This loan allows you to purchase a larger home with as little as 10% down and no monthly or upfront mortgage insurance. It does have a higher interest rate.

Adjustable RateA type of mortgage loan with an interest rate that may go up or down depending on a variety of factors. This could be helpful if you are applying at a time when interest rates are low.

VA A home loan for eligible veterans, active duty military, reservists, members of the National Guard, or surviving spouses of veterans. Features competitive rates and requires no money down.

FHAA government-insured loan with easier credit standards, ideal for first-time homebuyers. Upfront mortgage insurance is financed into the loan and is paid monthly by the borrower. Low down payment, max financing of 96.5% and mortgage insurance is required.

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USDAA loan option for low-income borrowers in rural areas who need 100% financing. Requires an upfront guarantee fee instead of a down payment. The cost is financed into the loan and there are mortgage insurance payments.

AMP (Affordable Mortgage Program) – This loan helps applicants with limited down payment abilities regardless of where they live. The down payment ranges from 0% to 3% and has no monthly insurance premium.

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Pinnacle Bank has been helping customers realize the dream of homeownership since 1934. You could be next. Check out our mortgage and refinance calculators to see which mortgage option works best for you. Or, if you’d like to speak with one of our mortgage specialists, give us a call, click or visit. We’re here for you!

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Pinnacle Bank NMLS #460274

Pinnacle Bank is here to increase the joy and reduce the stress of buying a home. The first way we can help is to share our insights into the process and how to avoid common pitfalls. Check out our series of Mortgage Tip videos for starters. Then, give us a call, shoot us an email, or drop by one of our branches and let us know how we can help.

Pinnacle Cash Out