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Mortgages
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Chose a fixed or adjustable-rate mortgage
A LifeStore mortgage offers:
- A variety of fixed term rates
- Up to 95% financing
- Financing for primary residence, second homes, and investment properties
Home Equity Line of Credit
Life often comes up with unexpected circumstances like home renovation needs, education expenses, family changes or any multitude of situations. Be ready with a Home Equity Line of Credit from LifeStore Bank. A Home Equity Line of Credit, or HELOC, is a loan secured by the equity in your residence that you can draw from as needed and pay back in flexible installments. Access to the HELOC is simple, transfer to your LifeStore Bank checking account, withdrawal funds or make payments through any of our convenient payment methods 24 hours a day. Apply today or contact us for more information.
Renovation Mortgage:
A Renovation Mortgage from LifeStore combines the renovations and financing of a house into one loan. You can either purchase a new property or refinance the one you’re living in. Homes can be primary residence, second residence or investment property.
Construction Loans:
Lifestore Bank offers construction loans, including a one-time closing, construction/permanent loan that can save you time and money.
Lot Loans:
If you plan on building a home within three years, LifeStore Bank can finance a qualifying lot.
If you are considering refinancing your home to take advantage of a lower rate or a cash out refinance, our lenders can assist you in determining your options. Begin by starting your application.
Buy With A Low Down Payment
LifeStore Bank Mortgage
A LifeStore Bank loan for a primary residence includes 0% to 5% down payment options for qualified borrowers. Thirty- year fixed rate loans are available.
USDA Guaranteed Rural Housing Loan:
The loan program offers no down payment financing to individuals in rural areas that are zoned for USDA. It is possible for the closing costs to be included in the loan amount if the value is high enough. USDA charges an upfront funding fee and monthly mortgage insurance.
VA Guaranteed Loan:
A loan for Military Veterans offering no down payment purchase and refinancing. There is a VA Funding Fee based on the Vets discharge and military service and there is no monthly mortgage insurance premium. There is no maximum loan amount and the VA guaranteed amount is limited.
In-House Loan with Mortgage Insurance:
This in-house loan provides no down payment financing with monthly mortgage insurance to qualified borrowers. Fixed and adjustable rate options are available.
Federal Housing Administration (FHA) Loan:
An FHA loan is a mortgage that is insured by the Federal Housing Administration. The mortgage is a low down payment option where down payments can be as low as 3.5%. The loans can have terms of 15, 20 or 30 year terms and be fixed or adjustable rates.
Our process puts you in control.
Convenient online access makes it easy to achieve your financial and homeownership goals.
1.
Apply
Online or in person, our streamlined process get's you approved fast, day or night!
2.
Gather
Get your information together while we finalize the rest.
3.
Close
Everything comes together in the end.
4.
Enjoy
Relax knowing you have a local lender to contact with any questions after the Close.

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Meet Our Lenders
Angelia Church
NMLS# 803683
Mortgage Lender
Tel/Fax/Text: 336-219-1075
Send an Email
Send an Email to Angelia Church
Karen Graham
NMLS# 803686
Mortgage Lender
Tel/Fax/Text: 828-263-1515
Send an Email
Send an Email to Karen Graham
Mark Gilleskie
NMLS# 803685
Mortgage Lender
Tel/Fax/Text: 828-263-1516
Send an Email
Send an Email to Mark Gilleskie
4 Tips Every Home Buyer Should Know
Review your finances.
A thorough analysis of your financial situation is central to the decision to buy. Calculate all of your monthly expenses, in addition to your potential mortgage payment, homeowner’s insurance, taxes and condo fees. Factor in other obligations like car payments, credit card debt, living expenses, and remember to budget for home maintenance costs.
Check your credit score.
Your credit history is an important factor when applying for a loan. The score reflects how well you manage your debt and is calculated using data from your credit report. A lower credit score will result in a higher interest rate on your loan.
If your score is too low, you may not be approved for a loan at that time. There are a number of steps you can take to improve your credit score, including paying your bills on time, only opening lines of credit you need and keeping your credit card balances below half of your available credit.
Getting Organized
After submitting your mortgage application, your lender may ask for additional information or documents, which may include pay stubs, most recent income tax return, or bank statements.
Factor in closing costs.
Closing costs can vary and will depend on the purchase price of your home. Once we receive a complete loan application you will receive a written estimate of closing costs.