Personal Lending 

• Home Mortgages
  Your bank shouldn't just finance your home- it should feel like home as well. At Evans, all mortgage decisions are made locally, which means we can tailor our mortgage programs to meet your special needs. Terms ranging from 10-30 years are available. You can also choose between adjustable or fixed-rate mortgages and bi-weekly or monthly payments.
  
  
  Conventional Fixed-Rate Mortgage
  Nothing provides peace of mind like the stability of a fixed-rate mortgage. The monthly payment or principal and interest will remain the same for the entire term of your loan.
  
  Fixed-rate mortgages are an attractive solution for those who expect to be in their home for a long period of time, or for those who want the security of a fixed monthly payment.
  
  Bi-Weekly Mortgage
  Speed up the repayment and shorten the term of a fixed-rate mortgage with our Bi-Weekly Mortgage. Instead of one large monthly payment, smaller payments are deducted every other week from your Evans checking account.
  
  Because the principal is paid down quickly, the loan is paid off sooner. This is an easy way to save some interest and shorten the term of the loan.
  
  
  3-1 and 6-1 Adjustable-Rate Mortgages
  Enjoy a lower monthly payment during the first few years of your loan, with our Adjustable-Rate Mortgages. Fixed at a low, discounted rate for the first three or six years, these mortgages may then adjust annually. That is, the interest rate can change every year thereafter, according to market conditions. Because the rate can change, the payment can also change.
  
  Adjustable-Rate Mortgages are ideal for borrowers who may expect income to increase substantially, pay down the principal quickly or plan to sell the house and move on in a short period of time.
  
  
  MyCommunity Mortgage
  No matter how hard you work or how much you save, sometimes it is hard to save enough for a large down payment. With MyCommunity Mortgage, you can say goodbye to a big down payment and hello to homeownership. With this affordable, flexible home loan, first-time homebuyers only have to put down a small amount.
  
  
  New Construction Mortgages
  The dream of building a home can become a reality with this convenient program, designed to take you through and beyond the construction loan period.
  
  The short-term construction loan is designed to cover costs during construction. Funds are drawn as phases of the building are completed. Interest-only payments are made monthly only on the amount drawn.
  
  Once the home is completed, the loan will be converted to a permanent-mortgage of your choice.
  
  
  Express Mortgage
  Refinancing a small, residential mortgage has never been easier or faster. With Evans Bank's Express Mortgage, you'll have your check in hand in just weeks.
  
  With a small fee and quick approval process, our Express Mortgage will get your refinancing plans on the fast track.
  
   
• Personal Loans
  Evans Bank offers loans with flexible rates and terms available to fulfill your needs.
  
   
• Credit Cards
  We offer a wide range of credit card products with features to meet anyone's needs. Each credit card has a low introductory rate and convenient online access. Decide which one is right for you, and apply today.
  
  Home Equity Loans and Lines
  The equity in your home is an important asset that’s just waiting to be utilized.  From debt consolidation to major purchases, education expenses and home improvements, an Evans Home Equity Line of Credit can be a powerful resource.  Plus, all or part of  the interest you pay may be tax deductible* (Consult your tax advisor). Fixed-rate and variable-rate terms are available.
  
  Equity Select Features and Benefits  
  
  -Choose between variable-rate and fixed-rate products
  
  -No closing costs or application fees
  
  -No conversion fee to change from variable-rate to fixed-rate options
  
  -Minimum advance of only $500
  
  -Borrow up to 85% of the available equity in your home
  
  -Lock in the security of up to four fixed-rate loans within the line of credit at any one time
  
  -No annual fee
  
  -Use the equity in your home to consolidate those higher-rate bills, pay educational expenses, finance a new car or a vacation, put in a new kitchen, etc.
  

 Financial Calculators
Click here for valuable calculation tools.