Personal/Consumer Loan Services
We offer a wide variety of loans to meet all your personal and family
American Interstate Bank offers a wide variety of home loans. Whether
refinancing, buying or building, our experienced loan officers will
find the right program to serve your needs and give you dedicated
Whether building your first home, or your dream home, finding the
right construction loan is key. With competitive rates and terms,
American Interstate Bank offers local loan decisions and can meet
your needs from land acquisition to permanent financing. Our loan
officers will work directly with you, and your locally established
builder, to see your dream become a reality.
Home Equity Loans and Lines
Allow us to answer a few frequently posed questions:
What is home equity? The equity
in your home is the difference between the value of your home (what
it could be sold for in today’s market) using the tax assessed,
appraised or market value less the balance owed on your loans against
What are the benefits of an equity loan
over other types of loans? Generally, the lowest interest
rates are offered on home equity loans and often borrowers are able
to deduct the interest for tax purposes.*
What is the difference between a loan
and a line? A “loan” is advanced in full and
is repaid during a fixed repayment schedule, such as 60 months.
At the end of 60 months, the loan is paid in full.
A “line” is available for a set term. Draws against
the line are made when the money is needed and repaid when available.
Lines may have a fixed, or a variable, interest rate.
Any of the American Interstate Bank Loan
Officers would be happy to discuss your particular situation.
*Consult your tax advisor.