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Residential Mortgage

Home purchase or refinance? We have you covered! Ready to build your dream home? No problem! How about that lot you have been saving to buy for a future home? We can handle that, too! Whether you’re talking about Lake Gaston or in town, RSB is here to help your dreams come true!

Residential

We have loan programs designed to fit every need for home purchases or refinances, large or small, primary or vacation homes; even homes for investment purposes. Our very competitive fixed and adjustable rates provide flexibility for your particular needs.

Construction

There’s no better time than now to build that home you have always wanted! We’ll make the process easy for you with our single closing Construction to Permanent loan, saving you money. We have years of experience with local construction. The RSB Mortgage Team is ready to help you today!

Lot Loans

Whether you want to build now or later, we have a lot loan program designed for you to meet your needs! From Roanoke Rapids to Lake Gaston and places in between, RSB is eager to work with you today!

Featured Rates

LOAN TYPE	TERM (IN YEARS)	RATE	APR
30 Year Fixed Conventional Primary Home	30	7.25%	7.50%
15 Year Fixed Conventional Primary Home	15	6.250%	6.637%
30 Year Fixed Conventional 2nd Home	30	Please call 252-410-7115 for rates	Please call 252-410-7115 for rates
15 Year Fixed Conventional 2nd Home	15	Please call 252-410-7115 for rates	Please call 252-410-7115 for rates
Jumbo Loans Fixed	15	Please call 252-410-7115 for rates	Please call 252-410-7115 for rates
Jumbo Loans Fixed	30	Please call 252-410-7115 for rates	Please call 252-410-7115 for rates
1 Yr. ARM Construction	30	8.25%	8.451%
15 Year Fixed Lot Loan	15	9.75%	9.929%
5/1 ARM Lot	20	9.250%	9.463%
USDA/FHA/VA	30	6.250%	6.971%

This is a limited time offer and is subject to change without notice.
Example: Loan amount $100,000.00. Rates based on an 80% LTV and a 1% origination fee. The 30 year loan would require 360 monthly payments of $665.30. Escrowing of taxes and insurance will result in these payments being greater.

Print Rate Sheet

Our Mortgage Lenders are ready to help!

Having been in our community since 1914, we understand our local housing market. The Mortgage Team at RSB is always ready to get started with you to help make that home purchase or save you money on a refinance!

Have equity in your home and want to put it to work?

Visit our Personal Lending Services page.

Personal Loans

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