Welcome to WB4, our virtual branch!

Mortgage Loans

Whether you are interested in the purchase of a new home, refinancing your current home or maybe you are looking to buy your first home, Wayne Bank and Trust Co. offers a wide variety of mortgage products to fit your borrowing needs. Best of all, we do not sell our loan servicing - so we are always right here to assist you with your questions, your payments or your concerns.

  • Fixed Rate Loans
  • Adjustable Rate Loans
  • My Community Mortgage Program
  • Construction Loans
  • Rural Housing Loans (For more information visit: http://eligibility.sc.egov.usda.gov)
  • Contact one of our Mortgage Loan professionals for additional information

Home Equity Lines of Credit (HELOC)

Home Equity Lines of Credit can be used for a new car, home improvement, paying off those high interest rate credit cards, college tuition or any unforeseen emergency. With a Wayne Bank and Trust Co. Home Equity Line of Credit you are in control, you decide when and for what you use the money and it's easy to do, you just write one of your Home Equity Line of Credit checks or use a debit card associated with the account. Home Equity Lines of Credit have several advantages:

  • Lower interest rates
  • Lower monthly payments
  • Money available when you need it
  • Interest may be tax deductible*

Contact a Wayne Bank and Trust Co. loan representative for more information concerning our Home Equity Lines of Credit.

*Consult your tax advisor

NMLSR ID: 408889