Personal Lending Services

Bank of Botetourt has been meeting the financial needs of our community for over 100 years. Our employees live and work here in the communities we serve. We're your friends, your neighbors and your trusted community bankers. We know that personal lending needs vary greatly from person to person. For some it could mean a new car, an addition to your home, or a college education for you - or your kids. For others, a personal loan would be needed for consolidating debt or even for taking a long overdue vacation.

You'll find that we offer flexible consumer loans made to fit a wide variety of needs. At Bank of Botetourt, all loan decisions are made quickly and locally...not by out-of-town decision makers!

Some of our most requested consumer lending options are listed below, but, if you don't see the type of loan that will meet your needs, please call (540) 591-5000 or visit any of our convenient offices. Our knowledgeable, experienced lenders will assist you in determining the best borrowing option for your circumstances and tailor a loan that will be a perfect fit for you.

Residential Mortgage Loans

Bank of Botetourt's Mortgage Loan Department can make the process of buying a home an enjoyable experience. We're proud to offer a variety of mortgage loan options at very competitive rates. Some of our most popular mortgage loans include:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages
  • Construction Loans

Home Equity Loans and Lines of Credit

Bank of Botetourt's Home Equity Programs allow you to take advantage of the great rates and tax benefits that borrowing based on your home's equity may provide. Your credit line or fixed rate loan can be used for purposes such as home improvements, educational expenses, medical expenses, automobile repairs, debt consolidation, or whatever you need. Bank of Botetourt offers the following home equity options:

  • Variable Rate Home Equity Lines of Credit
  • Fixed Rate Home Equity Loans

Consumer Loans

A Bank of Botetourt personal consumer loan can help you get the funds you need for a variety of reasons. We are committed to helping you with all of your credit needs. At Bank of Botetourt, you will experience an easy application process, quick turnaround time, and local loan decisions. Bank of Botetourt offers the following consumer loan options:

  • Simple Interest Installment Loans
  • Time Notes (For Short-Term Borrowing)

Auto Loans

Are you ready to trade in that gas guzzler for a new hybrid model or something that gets better mileage? Who wouldn't be these days! Right now, great deals abound on both new and pre-owned models. Bank of Botetourt can help you pre-qualify for an auto loan in a hurry and you'll appreciate our competitive rates. Then, when you visit the car dealership, you'll be the one in the driver's seat when it comes time to negotiate on pricing. You can always get your best auto deal when you shop with financing in-hand!

VISA® Credit Cards

A Bank of Botetourt Visa credit card is all you need to have instant credit at your fingertips. You will benefit from its convenience and security whenever you use your card to travel, shop, or dine. Bank of Botetourt offers the following Visa credit card options:

  • VISA Classic
  • VISA Platinum

Submitting Financial Statements

Click here to download a copy of our financial statement submission form. Please print the form and complete. You may return the form in person to any Bank of Botetourt location for mail to the following address: 

Bank of Botetourt
P.O. Box 647
Troutville, VA 24175

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