Adjustable Rate Mortgage

The Clear Mountain Bank Mortgage App enhances the lending experience for both the borrowers AND Realtors.

An adjustable rate mortgage, or ARM, is a loan that has a fixed rate for a defined period of time. Once the initial fixed period is up the rate can fluctuate with market conditions.

These loans offer:

Lower payment for the first years of your loan
Initial fixed rate terms available for 1, 3, 5, 7, & 10 years
Flexible terms available
Available for primary and secondary homes, investment properties, and manufactured homes
No pre-payment penalties

Ready To Apply For An
Adjustable Rate Mortgage Loan?

Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That’s why we want to make applying for your home loan quick and easy.

The Clear Mountain Bank Mortgage Advantage

With Clear Mountain Bank, our team is dedicated to being your complete resource for your mortgage lending needs. Voted Best Bank in Morgantown by Morgantown Magazine, we are a locally-owned, community-driven bank that offers the best rates, quick decisions, and exceptional service.

With 13 branch locations throughout North Central West Virginia and Oakland, Maryland, we are conveniently situated to offer mortgage loans and refinancing for Monongalia County, Preston County, Marion County, Harrison County, Taylor County, Doddridge County, Wetzel County, and more. Contact us today to learn more about the advantages of banking with a local, community bank that cares about you.

Your Mortgage Resource Center

Looking for more information regarding your mortgage or loan process? Be sure to review our resource center for more information.

Meet Our Team of Mortgage Specialists

What Are The Current Mortgage Rates?

Read more on our mortgage principal and interest rates on a particular loan you may be considering.

Clear Mountain Bank Salutes Small Businesses

At Clear Mountain Bank, we take pride in being your local community bank dedicated to providing the best services for all of your banking needs. We have remained locally owned for more than 125 years and continue to tailor our business banking services to help businesses grow and thrive in our ever-changing economy.

In recognition of National Small Business Week, we at Clear Mountain Bank want to express our sincere appreciation for our local businesses.

In recent months, we have seen, first-hand, the strength and resilience of our local businesses, as our entire team has worked tirelessly to help our customers and communities overcome these new challenges. Our entire team worked tirelessly to help provide over 1,300 COVID relief requests, including 705 PPP loans, which impacted nearly 5,000 local jobs.

From all of us at Clear Mountain Bank, we thank you, our local businesses for following your passion, demonstrating your resilience, and being the backbone of our communities.

Online & Mobile Banking Unavailable Weekend of August 7th

During the weekend of August 7-10, SmartLink online banking and the Clear Mountain Mobile app will be largely unavailable as we perform system enhancements. We expect downtime for these systems to begin around 4:30 pm on Friday, August 7th. These systems will remain down, with some intermittent access, through the weekend and should become operational again by noon on Monday, August 10th.

If the systems are accessed during a period of intermittent availability, please be aware that users will have inquiry only account access. Services such as Transfers, Bill Pay, and Zelle® will not be available for the duration of the weekend.

We apologize in advance for any inconvenience and look forward to the opportunity of providing additional services to our valued customers in the near future as a result of these upgrades.

Give us your feedback!

We want to hear about your experiences at Clear Mountain Bank. If you have a comment, suggestion, or just want to let us know about a great experience you had at your local branch, please send us your feedback using the form below. Don’t include any confidential personal information or account numbers in your comments. Please note that this form is for general comments only. If you have a question or problem that needs immediate attention, please visit the Contact page.

Good News!

BizLink is getting a makeover the weekend of August 7-10 and will feature a NEW LOOK and EASIER NAVIGATION!

Access to BizLink will be unavailable during that weekend. We apologize for any inconvenience and look forward to providing you with a better user experience as a result of the upgrade.