Build Your Future with Central Bank’s Real Estate Loan Promotion

A home is more than four walls. It’s where life happens. The laughter around the dinner table, the quiet mornings with a cup of coffee, the milestones that shape who we are. It’s where we celebrate, where we grow, where we belong.

But for so many, the idea of owning a home feels like a distant dream. Something for “later” or “someday.”

What if it didn’t have to be that way?

What if stepping into the next chapter of your life was within reach?

Helping Families Take the Next Step

At Central Bank, we don’t see homes as transactions. We see them as places where individuals and families can grow. That’s why this real estate loan promotion isn’t just about numbers or rates. It’s about making the journey to homeownership possible for more people in Hardin and McNairy County.

Here’s What We’re Offering

We’re offering a first lien real estate mortgage minimum loan amount of $25,000. We’ve created two tiers of real estate loan options—because we know everyone’s journey is unique.

Tier 1 Loans:

  • For those with a Beacon score of 725 or higher

  • A debt-to-income ratio of 42% max

  • A loan-to-value ratio of 90% or less

  • Rates starting as low as 6.75% (6.80% APR)

  • Flexible terms: 5-year balloon loan, up to 25-year amortization (20 years for commercial loans)

Tier 2 Loans:

  • For those with a Beacon score between 675–724

  • A debt-to-income ratio of 42% max

  • A loan-to-value ratio of 85% or less

  • Rates starting as low as 7.25% (7.30% APR)

  • Same flexible terms as Tier 1

*Annual Percentage Rate. 5-year Balloon Loan with up to a 25-year amortization. Pricing is for rst lien, residential mortgage loans only. Eligibility for Interest Rate requires down payment so the Loan to Value (based on appraised value) meets the above criteria. Loan example for Tier 1: Purchase price $200,000; Appraised Value $200,000; Loan Amount $180,000. The payment schedule would be 61 monthly principal and interest payments of $1,244.05 and at maturity a balloon payment of $164,190.90. Loan example for Tier 2: Purchase price $200,000; Appraised Value $200,000; Loan Amount $170,000. The payment schedule would be 61 monthly principal and interest payments of $1,229.19 and at maturity a balloon payment of $156,152.93. Payment amounts disclosed do not include costs for taxes and insurance premiums. Limited Time Offer. Rates effective 02/01/2025, rates are subject to change.

Real People, Ready to Help

At Central Bank, you’ll work directly with real people from your community. People who know your story and care about your future.

Spence Shutt

Serving Hardin & McNairy Counties

| Savannah Office | 731-925-9046

NMLS #2111074

Chase Young

Serving Hardin & McNairy Counties

| Savannah Office | 731-925-9046

NMLS #2539285

Rodney Vanhoose

Serving Pickwick

| Pickwick Office | 731-689-5043

NMLS #1997430

Logo image for Central Bank PNG transparent file.

Ready to Take the Next Step?

Whether you’re buying your first home, expanding for your family, or simplifying for the future, we’re here to help you find your way home.

Call us or stop by today.