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Private Mortgages

Whether you’re looking to acquire new property, refinance an existing mortgage, or unlock liquidity from your real estate holdings, our SmartBank Private Mortgage is perfect for you.

  • ARM and Fixed Rate Options Available
  • Loan amounts up to $5,000,000
  • Loan to value up to 100%*
  • Designed for the purchase or refinance of primary and secondary residences • Limited counties within Tennessee, Alabama, Florida, and Georgia
  • Available Discounts:
    – Discount point waived for borrowers with SmartBank Deposit account auto debit and e-statement
    – 0.125% discount to rate for borrowers with total SmartBank Deposits and/or Investments balances $100,000 to $500,000
    – 0.25% discount to rate for borrowers with total SmartBank Deposits and/or Investments balances > $500,000
  • Max LTV of 100% available for financing of primary residence at a loan amount ≤ $1,000,000 and requires credit scores 680+
Subject to underwriting and approval. All rates and pricing are indicative and subject to change without notice
Borrower must meet one of the requirements for Private Banking.
Ask us about our construction to permanent financing options.