Family moving into new house

Loans & Mortgages for All Your Needs

Loans & Mortgages

At Virginia Bank & Trust, we can help you meet your personal and banking goals with competitive rates on loans and credit lines. Whether you are buying your first house or need a commercial credit line to help fund new business, we are here to help!

Real Estate/Mortgage

Buying a new house or need to consolidate your debt? We offer competitive rates to fit your needs with terms up to 30 years. All decisions are made locally and promptly so you don’t have to deal with corporate red tape. We are “Your Hometown Bank” and that means your loan stays local.

We also offer very competitive rates on our construction loans. If you are considering building a new home or adding on to an existing structure, talk to one of our loan officers today.

Home Equity Loans

Use the equity in your home to pay educational expenses, make needed home repairs, add an additional room, or take that exciting vacation you have always dreamed of. With a Home Equity Line from Virginia Bank & Trust, you’ll enjoy flexible payments, a competitive rate, and the interest that you pay may be tax deductible (consult your tax professional).

Consumer Loans

We offer loans to support all of your personal needs with payment plans that fit your budget. Whether you are buying a car, repairing your home or purchasing new furniture, we can help! Our consumer loan options include auto, boat, home repair, debt consolidation, furniture, appliance and personal loans.

Commercial Loans

Own a small, medium or large business and need loan? We have you covered! At Virginia Bank & Trust, we offer short-term and long-term loans to help support your equipment, real estate and operational needs. We offer very competitive rates on all of our commercial loans so you can get the financing you need without breaking the bank!

Commercial Credit Lines

In addition to loans for businesses, we also offer credit lines to help support ongoing purchases. Whether you need capital for equipment, inventory, real estate improvements, or operational costs, we offer competitive rates to fit your budget.