Summertime is the perfect time to look at housing options.  Whether you are considering purchasing a home, looking to upsize or downsize, or simply wanting to make a change, we offer a variety of mortgage loan options to help you achieve your dream.

• First time homeowner program that requires as little as 10% down with no PMI required
• Conventional loans with a three or five year term
• Fixed-rate mortgages with a fifteen, twenty or thirty year term

If you are in the market for a new home, or looking to refinance or improve your existing home, please let one of our loan officers answer any questions you may have about our loan options.  There is nothing quite like the pride of home ownership, especially when you know you have the mortgage that best suits your current financial situation.

One more financial consideration for the summer, if you have a student with a summer job, now is the perfect time to open an account for them and introduce them to the banking process.  Give them time before they leave for college to familiarize themselves with the process of balancing a checkbook, using a debit card, and being responsible for a banking account.  Let them start building their financial history and credit history.

Thank you for placing your trust with Germantown Trust & Savings Bank.  Please know, we always have your best interests at the heart of our decisions.

Sincerely,

Dale G Deiters
President/CEO