Mortgage Products

At Clear Mountain Bank, we offer a complete line of mortgage products. Whether you are buying, building, refinancing or looking for your vacation hideaway, we have a loan to suit your needs. Our experienced team of lenders will explain the many options.

Fixed Rate Mortgage

Purchase a new home or refinance your existing home with predictable and steady monthly mortgage loan for the length of the loan with loan terms from 10 to 30 years. Eligible properties include manufactured double-wides.

Adjustable Rate Mortgage (ARM)

Each ARM loan option features a fixed rate for its initial term of 1, 3, or 5 years. After the initial term, the interest rate and payment could increase or decrease.


A USDA Rural Development loan can help you purchase your dream home with no money down with a low 30 year fixed rate. The USDA program is for rural development so not all properties qualify and income limits do apply.

West Virginia Housing:
First-Time Homebuyer

This First-Time Homebuyer program allows you to purchase your new home with a small down payment with a low fixed rate. The program allows the borrower to put as little as 3% of the purchase price down. Income limits do apply.

FHA Loan

The FHA program can help you finance the purchase of a new home with a low down payment. Currently, FHA will finance up to 96.5% of the purchase price. Typically, mortgage insurance is required throughout the term of the loan.

Jumbo Loan

This program allows you to borrow more than $417,000. These jumbo loans have fixed and adjustable rate options for both primary residences and vacation homes.

Physician Loan

If you are a resident, fellow, new or established physician, we offer a mortgage program that will lend up to 100% with no private mortgage insurance.

Construction Loan

You want to build a new home, Clear Mountain Bank will allow you to pay interest only payments during the construction phase and automatically converts into permanent financing when your house is complete.

Lot Loans

If you are looking to purchase land, Clear Mountain Bank can help. We offer land loans with competitive rates and terms up to 15 years.

Home Equity Loans

Need money for home improvements or to consolidate debt? Do it all with a home equity loan or line of credit from Clear Mountain Bank. You’ll enjoy great low interest rates with all of our home equity loan options.

Subject to credit approval.

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