Banking - Personal

The Mortgage Experts

With more than 75 years of mortgage experience, we've given Western North Carolina homebuyers smart, flexible solutions to their lending needs. Before you start house hunting, get a mortgage Pre-Approval from Asheville Savings Bank. When you're Pre-Approved, you can shop with confidence about your buying power; whether you're purchasing your first home, upgrading to a larger home, or building your dream home.

The Mortgage Experts at Asheville Savings Bank have over 150 years combined mortgage experience and are here to assist you with your home loan. Tell us what you are looking to do. Are you ….

Buying a Home?

Refinancing an existing mortgage?

Building a new home?

We have stayed true to our commitment to smart lending, so we have a healthy capital reserve ready to make your dream home a reality. We can offer competitive rates in a variety of loan program options such as….

• Long-term fixed rate home loans
• Adjustable Rate home loans with various terms
• Construction loans with rate protection
• First time homebuyer loans
• Government sponsored programs, FHA / VA / USDA

With our simple Online Application, the path to financing a home is just a click away.  Our accessible staff is experienced and knowledgeable to help make the process quick and easy.

Apply now with Express YES!

Buying a Home

Buying a new home is all about timing. And right now, with great low rates and a strong buyer's market, the timing has never been better. We've been helping neighbors become homebuyers for 75 years, so we offer mortgage experience and advice you can't get anywhere else. We offer terrific products and friendly mortgage professionals who will find the right loan for you. So whether you're an experienced homebuyer, or looking forward to your first set of keys, Asheville Savings Bank is here to help. Make us your first step – give us a call or stop by today!

You will feel more confident in your purchasing power if you know what to expect.  By downloading our HomeBuyer Checklist, you will get a step by step guide as well as the things you are looking for in a home.

Are you currently working with a realtor?  If not, we can help you find one!  Asheville Board of Realtors

Responsible home buying includes money management and budgeting.  Let us help you get on the right track with OnTrack Financial Services.

After we complete your Pre-Approval, we can help you find assistance for your down payment or closing costs.
Mountain Housing Opportunities is a wonderful resource to help with this assistance.

With our simple Online Application, the path to financing a home is just a click away.  Our accessible staff is experienced and knowledgeable to help make the process quick and easy.

Apply now with Express YES!

Refinancing

As an existing homeowner, you have the opportunity to utilize the equity in your home to take advantage of the refinance process. Refinancing your existing mortgage can help your overall financial picture by lowering your monthly payments or consolidating your debt. A refinance can be very beneficial for those special events in our lives; paying for your daughter's wedding, home improvement or even expanding your family.

We want to make sure that you have the tools to make an informed decision about your refinance options. Listed below, we have provided these interactive calculators to help in your decision making process.

How much would my monthly payment be?
How much can I save with a 15 year mortgage?
Can I save money by refinancing now?
How quickly can I pay off my mortgage by making additional payments?
Does it make sense to pay points to get a lower interest rate?
Should I consider consolidating my debt with a cash-out refinance?

Let one of our Mortgage professionals help you decide the best option for you. At Asheville Savings Bank, home loans aren’t about numbers, they're all about you!

Apply now with Express YES!

Building a New Home

Building a new home can sometimes be challenging, but obtaining financing doesn't have to be. Here, we are ready to help you build your dream home. Our one step construction loan requires just one application and just one closing, which saves you time and money. With interest only payments during construction, and a hassle free disbursement process, the construction phase is simple and easy for you and your builder. Need help finding a builder? Asheville Homebuilders Association is a great place to start.

With programs that allow you to modify directly into a long term fixed rate, you'll find the one step construction loan at Asheville Savings Bank is the easiest thing about building your home.

We've built a great loan so you can build a Great HOME!

In an effort to help you understand the construction process here at Asheville Savings Bank, we have provided a wonderful resource tool that explains the most commonly asked questions.

Just a Few Things To Know About Building Your New Home

With our simple Online Application, the path to financing a home is just a click away.  Our accessible staff is experienced and knowledgeable to help make the process quick and easy.

Apply now with Express YES!