The Financial Steps
that change lives and make dreams come true…

At Emerald Bank, we would like everyone to have the opportunity of home ownership. To maximize the possibility of obtaining your dream of home ownership, we offer various conventional loan programs for both conforming and non-conforming properties within the Central Ohio market area.

As a Community Bank doing business in Delaware, Franklin, and Union Counties, Emerald Bank is keenly aware of our responsibility. While the products change dramatically, the basic principles remain the same. We do whatever it takes to get a prospective homeowner financed.

• Conforming Loan Programs
• Non-Conforming Portfolio Loans
• Second Home / Vacation Property Loans
• Permanent Construction Loans
• Permanent Remodel / Rehab Loans
• Residential Lot Loans
• 1st Time Home Buyers Loan and Affordable Housing Programs

Competitive, Flexible and Convenient
with local decision-making and the ability to be flexible

Emerald Bank offers both Fixed Rate and Adjustable Rate loans with competitive rates and fees. We also offer interest rate locks up to 60 days. We encourage aggressive comparison of our Annual Percentage Rates against those of our competitors, including mortgage companies. Our lean closing costs and fees combined with competitive interest rates means better loan value for our customers.

Our payment options are generous to the consumer, in some instances giving them the flexibility of paying monthly, bi-weekly or weekly. Special rates are available to those buyers who choose an automatic withdrawal payment option from a Emerald Banking Company deposit account.

Payments can also be made by way of our online bill pay. So no matter where the homeowner is, payments can be made easily and on-time. Because we are the local service provider, payments can also be made at any branch, each with convenient extended hours to serve our customers.

A major advantage of dealing with Emerald Bank is our local decision-making and our ability to be flexible. Initiating our simple application process consists of a loan application and two years verification of your income. Sound banking decisions are made by remembering where we came from – generations of honest people banking on the American dream.