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Loans & Mortgages


Commercial Loans

Short term and long term loans available for equipment, real estate or operational needs. We offer very competitive rates.

Commercial Credit Lines

Commercial Credit Lines are available for equipment, inventory, real estate improvements, or operational needs. We offer very competitive rates.

Consumer Loans

Loans for all of your personal needs with payment plans to match your budget. Auto, boat, home repair, debt consolidation, furniture, appliance or personal loans are available.

Real Estate / Mortgage

We offer competitive rates to fit your home purchase or debt consolidation needs. Decisions are made locally and promptly. We are “Your Hometown Bank” and that means your loan stays local. Terms available up to 20 years.

We offer very competitive rates on our construction loans. If you are considering building a new home or adding on to an existing structure, talk to one of our loan officers today.

Home Equity Lines

Use the equity in your home to pay educational expenses, make needed home repairs, add an additional room, or take that exciting vacation you have always dreamed of. With a Home Equity Line from Virginia Bank & Trust, you will get flexible payments, a competitive rate, and the interest that you pay may be tax deductible (consult your tax professional).

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