Loans

Mortgage Loans


Our lending professionals have many years of experience in the mortgage lending business and can provide you top level, expert advice on the loan that can fit your home buying or refinancing needs.


 Here are the types of loans we offer:


  • Conventional Loans - these are traditional fixed-rate mortgages with terms from 10 to 30 years that provide predictability in rate and payments.

  • Adjustable Rate Mortgages (ARM) - these loans typically feature lower introductory rates that adjust annually for the loan period, which can be an advantage if the borrower plans on staying in the home for a short amount of time.

  • Government Loans (FHA and VA) - these programs help borrowers apply with less rigorous lending standards as well as lower down-payment requirements. Also, for our veterans and reservists, we can offer the VA Home Loan program to help you secure financing with benefits such as low closing costs.

  • Jumbo Rate Loans - for the well-qualified buyer seeking loans exceeding regular loan limits, you may be able to secure up to $2 million in financing.

  • Construction Loans - build your dream home with our customer construction all-in-one loans which offers financing to construct a new home or significantly remodel an existing home.



To get the process started click the Apply Now button below. With our easy to use online application, you can be approved for your mortgage in as little as 20 minutes! If you have questions prior to applying please call 302-884-6868 to speak directly to an experienced loan officer.


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Home Equity Loans

Don't Wait! We Have Amazing Rates!

The time has never been better for you to use a Fixed Rate Home Equity Loan to consolidate your debts, make home improvements, pay tuition, buy a car, pay for a vacation, or use for other worthwhile needs. Currently, we are offering amazingly low rates for Fixed Rate Home Equity Loans!

Click here for more information and to see these amazing rates.

APPLY NOW by contacting any branch office or call us at 302-658-6881, please select option #5.



Home Equity Line of Credit

There are a lot of expenses that pop-up, both planned and unplanned, that you may need to finance. One way you can finance those expenses is by taking advantage of equity in your home and opening an Artisans' Bank Home Equity Line of Credit. With your Line you can:

  • purchase a new car
  • repair your home
  • consolidate your debts
  • pay medical bills
  • make tax payments
  • pay for tuition
  • take a vacation
  • and more

We offer rates as low as 5.25% APR*

Home Equity Lines of Credit are based on WSJ Prime without a margin. Take advantage of the equity in your home and this low rate.

Call us at 302-658-6881, please selection option #5  for more information.

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*Annual Percentage Rate (APR) is the National Prime Rate of Interest as published in the Wall Street Journal on the first day of the month. The rate is variable and may change monthly, based on the WSJ Prime as appearing on the first of the month. Home Equity Lines of Credit are established for a ten year period. 

Rates listed are for single-family primary or secondary residences with loan-to-value ratios up to 80%. 

Payments may be Interest Only. A balloon payment will occur if only the minimum required repayments under the plan are made. Minimum payments will not repay the debt and a balloon re-payment of the remaining principal and interest due will be required at the end of the ten year term. The maximum APR over the life of the line will never exceed 18%. Interest will begin to accrue on the business date a draw against the credit line is posted.

Offer of credit is subject to credit approval. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Flood insurance may be required, depending on the property. For Home Equity Lines of Credit over $250,000, a $425 appraisal fee will be charged. For a detailed HELOC Plan disclosure, please contact our Consumer Lending Department at 302-658-6881.



Auto Loans

Car, Van or Truck, we can put you in the driver's seat with an auto loan designed to match your financial needs. Often, cash incentives you find at a dealer do not apply if you get your financing with them. With our pre-approvals you can make your best deal at the dealer knowing we can provide your financing. Let us put you in that driver's seat.

We offer rates as low as 3.75% APR*. For more information on available terms and rates or to apply, visit the Branch Office nearest you or call us at 302-658-6881.

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*APR means Annual Percentage Rate 


Unsecured Loans

Fixed terms are available up to and including 60 months.

Fixed rate loans up to $25,000 for qualified borrowers.

Personal lines of credit up to $10,000-open ended 5-year terms with reasonable payments

For more information or to apply, visit the Branch Office nearest you or call us at 302-658-6881.

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Personal Lines of Credit

Our Personal Lines of Credit give you the flexibility to borrow up to your qualified limit ( maximum $10,000) or to borrow as little as you need. Large purchases or small, you can access your line with checks provided. Also, your Personal Line of Credit can be used to provide overdraft protection for your checking accounts.

For more information or to apply, visit the Branch Office nearest you or call us at 302-658-6881.