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Personal Loan Services

Personal Loan Services

Personal loans should be just that — personal. For a century, we’ve been working side-by-side with our neighbors to fund their individual needs. We’re ready to lend you a hand, too. Take a vacation, buy a house, or just add some extra cash — it’s quick and simple with our easy loan application. Learn more about our personal loans online!

Personal Loan Services

Every loan request is unique, so our customer support is, too. With services ranging from loans for home improvements to funds for recreational vehicles to access to cash for family matters, our process begins with a simple application and is personally attended to by a Farmers & Stockmens Bank loan agent — with the easy option to request pairing with one of our Spanish-speaking agents.

Personal Loans

With flexible repayment options and various credit limits, our loans have competitive fixed rates with a variety of terms to fit your budget—because we know whether it’s covering the cost of your child’s college tuition or getting funds to raise animals for FFA, personal loans are often stepping stones on the way to big achievements and we are proud to support those dreams.

Home Equity Loans & Lines of Credit

A Home equity Loan or line of credit can provide you a simple way to save money on monthly bills or help you consolidate debt. By borrowing against the equity in your home, you can get much lower interest rates than credit cards and other forms of credit.

We also offer in-house financing, which includes home construction, investment properties, and vacation rentals.

Home Financing

Whether buying or refinancing, we offer a variety of mortgage options through our mortgage division, CB&T Mortgage, headquartered in Colorado Springs, Colorado. Our Vice President of loans, Amy Villalobos, will work together with you and CB&T Mortgage to make sure you get the right loan for your situation.

Contact Amy to get started, or learn more about the variety of options available.

First Time Homebuyer

First time homebuyer personal loan services offer low down payments and may allow for gifts from family members. Homeowner education helps you understand how to manage the financial commitments of home ownership. Often, special options to partner with state and local housing authorities are available as well.

FHA Loans

FHA Loans allow lower down payments, lower rates and more lenient underwriting qualifications because they are insured by the Department of Housing and Urban Development (HUD). An FHA loan requires up front mortgage insurance as well as monthly mortgage insurance, but can be a great product for first-time home buyers.

Home Refinance

Not ready to move? Refinancing gives you a new personal loan service mortgage to replace your original mortgage. Often the new loan provides you with a better interest rate to lower monthly payments, remove mortgage insurance, or take equity out of your home, also known as “cash out refinance”.

VA Loans

This specialty loan provides flexible qualifying guidelines for eligible veterans and other eligible borrowers. Mortgage insurance is not required with a VA loan and may include financing the VA funding fee and obtaining the loan with no down payment.

Jumbo Loans

The perfect loan if you need a mortgage amount that exceeds the conforming (conventional) loan limits set by Fannie Mae and Freddie Mac. Similar to conventional loans, Jumbo loans offer terms of 15, 20 or 30 years with mortgage insurance options for less than 20% down.


Conventional loans work well if you are looking to purchase or refinance a home loan and have at least a 5% down payment that is not guaranteed or insured by the federal government. Conventional loans come with the choice of 15, 20 or 30 year terms. If you have less than a 20% down payment, you will need mortgage insurance.

Get Started Today!

Amy Villalobos, our Vice President of loans and in-house mortgage specialist, works closely with you and
our mortgage division, CB&T Mortgage. Contact Amy today to get started, or learn more about our mortgage division.


Looking for Business Loan Services? See what we have to offer here.