Ready for a remodel? Town and Country Bank is here to help.

Remodeling your home can bring enormous benefits including:

Increasing real estate value Increase home’s life span and quality Reduce energy bills Improve your quality of life

There are several ways you can finance your remodeling project, or obtain a lump sum for personal needs.

We are here to help you find which will work best for you.

Home Equity Loan Works best for smaller, one-time events Slightly lower, fixed rate Keep existing mortgage and need lump

sum Typically shorter repayment terms

Home Equity Line of Credit Works best for flexible needs over a

period of time Typically lower, adjustable rate Monthly statement with payments

based on only the amount outstanding You can pay down your loan and then

access your equity again without obtaining another loan

Cash Out Refinance Works best for a larger, one-time event Combine your existing home loan with

the funds needed into one single loan payment

Access up to 80% of the value of your home

Fixed rate, terms up to 360 months

Renovation Loan Works best for home improvement

projects greater than $10,000 Combine your existing home loan with

the funds needed for your home renovation into one loan payment

Use the equity in your home up to 96.5% of the after improved value

Fixed rate, terms up to 360 months

Town and Country Bank makes it easy.

Competitive rates on home equity loans and lines of credit as low as 3.99% APR**

Waived home origination fees on home equity loans or lines of credit**

Variety of terms available Fast and easy closing Decisions made locally

Speak with a lender today and let us help choose the best option for you.

Call: 217-787-3100Email: onlineapps@townandcountrybank.com