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“Have you found the perfect house site or tract of hunting land? The Bank of Holly Springs offers the financing to fit your recreational needs. Home site Hunting land / camp Recreational farms Shop / Barn Applications are subject to underwriting approval.”

“Single closing for construction to permanent financing”

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“Curious if you’re ready to buy a home? Use this practical checklist to assess your finances, credit, lifestyle, and next steps with confidence. Read More”

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“Ian Hwang Dec 09, 2025 Share VP, Senior Loan Officer - Mortgage”

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“The relationship between business and personal credit goes both ways. Your personal credit history often influences your ability to qualify for a business loan. Traditional lenders usually look for scores above 700, while the Small Business Administration (SBA) may accept applicants with scores as low as 650 if other business fundamentals are strong.”

“A small business loan usually won't affect your mortgage approval - but exceptions exist. Personal guarantees or business debt can raise your debt-to-income ratio. Separating business and personal credit protects your mortgage eligibilty. When it comes to personal finances and homeownership, getting a small business loan might not seem like it should affect your mortgage application . In theory, one supports your business while the other relates to your personal credit. However, for many entrepreneurs, the two can become intertwined - making it important to understand when a business loan might influence your mortgage eligibility.”

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“At Bank of Hope, we understand that balancing entrepreneurship and homeownership takes careful planning. Our Mortgage Banking Division can help you explore financing options that support both your business and your family's goals. Talk with a home loan expert today to learn how we can help you acheive both. Share”

“In most cases, business and personal finances are distinct, especially when operating under an LLC, C-Corp, or S-Corp. These structures create a financial barrier between the owner and the company. However, there are scenarios where business debt could still impact your mortgage application. Sole Proprietors - Without a legal business entity, lenders view you and your business as one. Your business loan payments count toward your personal debt-to-income (DTI) ratio. If your DTI exceeds 45%, securing a favorable mortgage rate becomes challenging. General Partners - Partners share liability for business debts. If your business faces financial issues or defaults on a loan, lenders may view you as higher risk. Personal Guarantees - If you've personally guaranteed a business loan , you bear direct responsibility for its repayment. Any missed payments can affect your credit score. Mortgage lenders will factor in that potential liability. Business Credit Cards - Late payments on business credit cards tied to your name can reduce your credit score and make home loan approval harder. Businesses Reporting Losses - If you own or have a major stake in a company showing losses, lenders may worry about your ability to manage personal debt. Recent Credit Inquiries - Each hard inquiry for a business loan can lower your credit score by a few points and signal potential instability to mortgage lenders.”

“To prevent business debts from affecting personal goals like buying a home, create a clear boundary between your business and personal finances. This includes registering as an LLC or corporation, maintaining separate accounts and credit cards, and paying yourself a consistent salary. Avoid using business funds for personal expenses and vice versa. For more detailed guidance, consult resources from the U.S. Small Business Administration(SBA) .”

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“Bank of Montana is the leader in Apartment Finance and your one-stop shop for Multifamily Housing loans. We are the only HUD approved lender headquartered in the Rocky Mountain West. We provide multifamily loan programs such as HUD, Fannie Mae, Freddie Mac, insurance company financing, and CMBS platforms. As an FDIC insured bank, we also provide direct financing. From the construction of a 16-unit apartment project in Missoula, Montana to the HUD acquisition financing of a 220-unit multifamily building in Salem, Oregon or Fannie Mae financing of a 150-unit building in Topeka, Kansas; we make the financing process a smooth one. To learn more about our multifamily financing options feel free to contact us.”

“As a commercial depositor, our Business Checking Account is a convenient, inexpensive way to handle your financial record-keeping requirements. No minimum balance requirement. Statements mailed monthly.”

“Certificates of Deposit are available to all our customers. They offer an excellent way for you to safeguard your investment funds and earn high rates while building capital or providing current income. Interest compounding monthly (for CD terms in excess of six months). Interest rate guaranteed for term of investment. Automatic renewal option at maturity. Balances insured by the FDIC up to the maximum allowed by law. Penalties for early withdrawal may apply.”

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“Money Market Accounts are available to all our customers. They offer an excellent way for you to have instant access to your investment funds while enjoying a competitive rate of interest.”

“Business Commercial Real Estate”

“Commercial Real Estate Loans Equipment Loans Construction Loans Operating Line of Credit Business Credit Cards”

“The Bank of Old Monroe is your local community partner. We value our local businesses; therefore, we take pride in our numerous commercial real estate loan solutions. We strive to help your company grow. Contact your local branch or get in touch with one of our friendly commercial lenders today! Contact Us Today”

“Construction Loans”

“Industrial loans can help you purchase large pieces of expensive machinery, vehicles, or other equipment for your business. Whatever assets your company needs to turn a profit or increase margins, an equipment loan has you covered.”

“Looking for flexible finances? Commercial operating lines of credit provide businesses with many benefits. Similar to a traditional line of credit, operating lines of credit allow borrowers the freedom of drawing funds and repaying at their discretion. Operating lines of credit revolve. Once you have repaid the initial credit, you are then able to redraw the funds up to the predetermined dollar amount. Our expert commercial lenders can assist you in choosing the option best for you.”