Loan & Mortgages

NSSB offers a full range of loans for business or personal needs. Our friendly loan officers will work with you to create a lending solution. Because NSSB is a locally-owned community bank, all of our lending decisions are made right here. Visit your local banking office or call in for more information.




Personal Loans*

If you need a new car, money to make a home repair, or just need to consolidate some debt, let NSSB assist you in this process with the use of a personal loan. North Salem State Bank understands there are times when you need something and just can't pay for it out of your own cash. Let us help you make your dreams or your necessities a reality.


We finance the following types of personal loans.


  • New and Used Auto Loans
  • New and Used Recreational Vehicle Loans
  • Home Improvement Loans
  • Vacation Loans
  • Other Loans
    • New and Used Motorcycle Loans
    • New and Used Boat Loans
    • New and Used Mobile Loans


Mortgage Loans*


When financing your new home or refinancing your existing home, let NSSB help you determine the best mortgage product to meet your needs. North Salem State Bank offers a variety of mortgage products that will help you make the best choice for the financing of your home.


We will loan up to 100% of the purchase price or 90% for refinances, with private mortgage insurance (PMI). Any loans over 80% loan to value require PMI. We offer a variety of terms to fit your needs.


The types of mortgage loans we offer are:


  • Fixed Rates
  • Variable Rates
  • Condominium Loans
  • FHA Loans
  • Investment Real Estate


Contact Charles Green, VP of Mortgage Banking, for more information.



Home Equity Loans*


If you have gained a lot of equity in your home and can't determine the best way to use that equity, let NSSB help. We can provide you with a home equity loan that will allow you to use that equity to make the purchase you really want or just provide you with some additional cash in your pocket.


Construction Loans*


If you are thinking of building your next home, let NSSB help you with the financing during the construction period. While you are choosing your site, your builder and the type of home you want, don't let financing be an issue. Let North Salem State Bank assist you in obtaining your permanent long term financing (see Mortgage Loans) and then help you with the construction loan.


*Subject to credit approval and upon qualification