Cedar Key Interior
Personal Mortgage

A Mortgage That Fits You

Choose the home mortgage that’s right for you. When you get a home loan from Drummond Community Bank, we make it easy to get the best mortgage for you. Whether you’re a first-time homebuyer or looking to build a home, we offer the perfect mortgage solutions at competitive rates. Plus, our team is always available (even during non-business hours) to talk you through the process.

Get pre-qualified to speed up the process

Our experience is that pre-qualifying for a mortgage is of great benefit.  Not only will it speed up your process, but it will also help you understand in advance how much of a house you can afford. And, you can demonstrate confidence in your ability to obtain financing. Both of these aspects can greatly assist in your negotiation process.

Drummond Community Bank offers a variety of home mortgages tailored specifically for your needs.

Benefits of Getting a Home Loan With Drummond 

Looking for mortgage lenders in North Florida? Please call our loan team for a rate quote. We offer competitive and flexible rates, as well as:

  • Easy Online application
  • Fast loan approval
  • Streamlined refinance options

Find the best mortgage options in North Florida!

At Drummond Community Bank, our mission is simple. We strive to provide you with the very best banking services and sound business decisions all while giving back to the Florida communities we serve. To you we may just be a bank, but we’re a bank that wants to help you and your money grow. Apply online for a home loan in North Florida or visit one of our branch locations in Archer, Bronson, Cedar Key, Chiefland, Cross City, Crystal River, Fort White, Gainesville, Inglis, Lake City, Ocala, Old Town, Trenton, and Williston!

Need Help Deciding?

If it’s your first time applying for a mortgage, or you’re unsure which option is right for you, we can help. The key to making a smart financial decision begins with understanding the benefits of each product and determining which one meets your goals. Give us a call or visit your nearest Drummond branch.

FAQs About Mortgage Loans

How do I know if I will qualify for a mortgage loan?

Getting approved for a mortgage depends on a variety of factors such as your credit score and history, income, length of employment, other debts, and more. The best way to know if you will qualify for a home loan is to sit down with a mortgage lender to get pre-approved or pre-qualified.

What is the difference between pre-qualified and pre-approved?

Pre-approval is an estimate of how much you may be able to borrow based on information you provide. Pre-qualification involves checking your credit and is a more accurate calculation of how much you can borrow. Pre-qualification letters are usually good for a set period of time, allowing you to shop for your home with confidence. 

What is a good interest rate for a mortgage?

Interest rates on home loans vary depending on the benchmark rate and your financial information such as income and credit score. Generally, the better your credit, the lower a rate you’ll qualify for.

What is the best place to get a home loan from?

At Drummond Community Bank, we are proud to bring you the best possible mortgage loan terms and features such as fast loan approval, flexible loan terms, competitive rates, and a convenient online application.