Mortgage Lending

Home Ownership

Fulfilling the dream of home ownership remains central to Hancock County Savings Bank’s mission to our customers. The purchase of a home is one of the most important financial decisions you will make and Hancock is here to help make that dream a reality.

Because we are locally owned and managed, all loan decisions are made right here. Local people serving local people!

We work with you every step of the way… To answer your questions… To show you your many options… To provide you with a home loan tailored to your specific needs.

Buying or Refinancing a Home

The process of buying a home can be overwhelming. Let our Mortgage Experts at Hancock County Savings Bank be your guide. We can help to simplify the process. We will pre-qualify you… answer all of your questions… and get you into your home quickly!


  • We accept applications at our conveniently located offices
  • Our experienced, friendly staff are always available to answer your questions.
  • We offer minimal closing costs.
  • Credit decisions are made locally.
  • We provide local service for the life of the loan.
  • We do not sell our mortgage loans on the secondary market.


Call and make an appointment today! 1-800-225-1620

I Want to Build a Home

If you are looking to build a home in the Hancock County Savings Bank’s Lending Area please call or stop at one of our convenient locations and talk to one of our Loan Experts about one of Hancock’s customer-friendly construction loan options. Check out our Construction Lending page for additional information.

First-Time Home Buyers

Are you buying your first home? Hancock County Savings Bank has designed an affordable housing program that makes it easy for first-time homebuyers to purchase a home of their own. This program offers a fixed or adjustable interest rate conventional loan on single-family, owner-occupied dwellings.


  • Eligible Borrowers – First-time homebuyers or those who have not owned a home during the last three years. Consideration is given to couples where one member has owned a home, but the other has not and to divorced borrowers who may have owned a home jointly with a spouse.
  • Maximum Purchase – No maximum limit on the sale price.
  • Maximum Family Income – No maximum limit on income level.
  • Lower down payment requirements. We also have a First-Time Homebuyer Program available!

Family Sale Loan

The Family Sale Loan can be a great way to purchase your home---often with no money down! This loan is a unique product that applies to the purchase of family-owned real estate by another member of the immediate family, which includes mother, father, sister, brother, grandmother, grandfather, aunt or uncle. Both fixed and adjustable rates are available for the Family Sale Loan.

The process works as follows:


  • Immediate family member wants to sell his or her home.
  • Depending on the appraised value and the sale price of the home, there may be little or no money down.
  • It requires a written sales agreement stating the sale price at the time of application.


Call one of our Loan Experts today for additional details!

Because your situation is as unique as the home you are buying, our Loan Experts review each application on an individual basis. Call one of our Mortgage Loan Experts to see if you qualify for our special program.

Loan Experts and Nationwide Mortgage Licensing System (NMLS) IDs


Loan Experts NMLS ID
Samantha Bruce 583016
Patricia Rice 583020
Karen Simpson 583021
Debra Walker 486347
Chrystal Duke 1438495
Wanda Allison 422544
Deidra Edwards 1718559
Wendy Dodson 1184096
Ashleigh Bebout 2188220
Casey Kell 2218267
Theresa Martin 729802
Tonya Taylor 2234973

Definitions to Help You

View a Glossary of Terms that will help you understand exactly what is being discussed.

Mortgage Loan Calculator

Use our Mortgage Calculator to help you determine the financing for a mortgage that you potentially qualify for.

These calculations are based on standard guidelines that lenders use to determine loan amounts that borrowers are eligible to receive. The factors used to determine how much money may be financed include income, total mortgage payments, and total debt payments.

The Mortgage Calculator will display the results along with an optional payment schedule. Click the link below to begin.
Mortgage Loan Calculator

Loans subject to credit approval.


Since 1899, Hancock County Savings Bank has stayed the course as an Independent Locally Managed Bank.

The state-chartered Hancock County Building and Loan Association was founded on December 31, 1899; and it granted its first mortgage loan in the amount of...
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