Real Estate Loans

Mortgage Loans

Whether you're buying your first home, refinancing, purchasing a vacation home, or building your dream home, Hodge Bank is proud to offer a wide array of mortgage lending options to help you finance the perfect home at the right cost. 

Hodge Bank Mortgage Guarantee:  Low Closing Costs, No Prepayment Penalty, a Simplified Process and Lenders you can TRUST. 

Permanent Financing:  Hodge Bank and Trust Company offers permanent 15 and 30-Year Financing.  Permanent financing advantages include a constant monthly mortgage payment and fixed interest rate for the life of the loan and protection from fluctuating interest rates.  Call today to lock in your low rate! 

Cash-Out Refinance:  Whether you are in need of additional capital or strictly want to take advantage of lower interest rates, Hodge Bank serves as a trusted lender to help customers navigate the refinancing process.  Cash-Out Refi’s offer Hodge Bank customers endless benefits: improved cash flow to pay-off higher interest debt and the opportunity to build reserves or establish an emergency fund.  Consult with a Hodge Bank representative today to take advantage of your refinance options and today’s low rates!

  • Fixed Rates and Adjustable Rates
  • 15 & 30-Year Financing
  • Low Closing Costs
  • No Prepayment Penalty
  • Various Terms
  • Affordable Down Payment
  • Pre-Approval Available
  • Local Decision Making and Personal Service
  • Experienced Real-Estate Advisors

Construction Loans

Ready to build your dream house?  Hodge Bank’s Real-Estate team can help you with all the ins and outs of building a home. 

When it comes to construction financing, building a new home is a big commitment requiring time and money.  Fortunately, Hodge Bank is a market leader in offering flexible terms and providing knowledgeable lenders who have helped satisfy customers throughout the construction process.  You can be confident in knowing that our programs have been tried by many home builders throughout North Louisiana.

Whether you hire a contractor or choose to build your own home, you can depend on our professional lenders, experienced in all  the details of construction financing, to guide you every step of the way from land purchase to your completed home.  

During construction, you'll pay interest only on the total funds used and will always have convenient access to your construction funds.  Your rate is locked up front and guaranteed for the construction phase.  To learn more about our Hodge Bank’s construction financing programs, set-up an appointment with a Hodge Bank loan officer today. 

Raw-Land

Hodge Bank specializes in the purchase of raw land.  Depending on your purpose, our lenders can help you evaluate your purchase.  Raw Land can serve as an investment, a future home site, lease property, hunting grounds and much more.  And the process is not as complicated as you might think.  Call us today to help you decide on your raw land acquisitions.

  • Future Investment
  • Potential Home Site
  • Lease Property
  • Hunting Grounds

Home Equity Loans & Second Mortgages

Time for home improvements?  A home equity loan allows you to use the equity you have built in your residence as collateral. You may need the funds for things like home repairs, medical bills or even college tuition.

The best part of this type of loan is that it allows you to use the equity in your home to borrow for less.  Unlike a home improvement loan, you choose the purpose - to buy a car, pay for your child's education, or maybe refinance an existing debt. You get affordable terms and in most cases, the interest is tax deductible.