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IMPORTANT

PHONE

Telephone Banking Customer service Toll-free line

Won’t You Be Our Neighbor? Before you go house hunting, give us a call. We can help you determine how much home you can afford based on your current financial situation and factors such as interest rates and other expenses. A pre-approved application will enable you to confidently make an offer on the home of your choice.

Let’s Begin A Sumner Bank & Trust mortgage representative will meet with you at your convenience to explain the mortgage process and answer any questions you may have. To get the greatest benefit from this initial meeting, please bring the following: • Purchase agreement (if applicable) • Bank account statements for the past two full months • Investment account statements for the past three full months • Pay stubs for one full month • W-2s for the past two years • If you’re self-employed, bring a copy of your federal income tax returns for the past two years

NUMBERS

800-561-2314 615-451-4151 866-345-8877

WITH CREDIT SERVICES

To report lost or stolen debit/credit card During banking hours 615-451-4151 After hours 800-554-8969

OFFICE

LOCATIONS

Main Office 780 Browns Lane Gallatin, TN 37066 615-451-4151

Broadway Office 240 West Broadway Gallatin, TN 37066 615-452-8877

Preferred Banking Center 100 Bluegrass Commons, Suite 2102 Hendersonville, TN 37075 615-590-4100

www.sumnerbankandtrust.com

Our mortgage representative will ensure you apply for the loan that is right for you. Fixed rate or adjustable rate? Fifteen- or 30-year term? Conventional or VA? We’ll make it easier to decide.

Member FDIC

Equal Housing Lender

Reach

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Loans and Lines of Credit A cup of sugar. The lawn mower. A good book. These are things you can borrow from your neighbor. Need to borrow money? You’d better ask your neighbors at Sumner Bank and Trust.

This Account Is For You If

Account

DREAM HOME. DREAM MORTGAGE.

Home Equity Loan

Great rates. Flexible terms. Low closing costs. If you have to finance your dream home (and who doesn’t?), you can trust The Sumner Mortgage Team to guide you through the mortgage maze. We’ll be with you every step of the way, from the application process to the closing. Welcome to the neighborhood. • FHA, VA and Conventional • Fixed and adjustable rate mortgages (ARM)

Home Equity Line of Credit

Installment Loan

Features & Benefits

You need a one-time lump sum You have equity in your home

You have an on-going need for cash You have equity in your home

You have a specific loan need

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• Investment property financing

Fixed monthly payments Interest may be tax deductible (consult your tax advisor)

Borrow what you need when you need it Access to credit by checks or teller request Interest may be tax deductible (consult your tax advisor)

Customized to your needs Competitive rates and flexible terms Make automatic payments from your checking account

• Construction to permanent • Up to 100% financing • First-time home buyer programs

You need money for higher education

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Customized to your needs Federal Stafford and other loans available

You need an on-going line of credit

Competitive rates & no annual fee

You want to protect yourself against insufficient funds

Automatic payment of overdraft Eliminates bounced checks & return charges

Student Lending

Sumner Bank & Trust VISA® or Master Card®

Overdraft Protection

• Home equity lines of credit • Interest-only mortgages • Land loans

Sumner Bank & Trust Credit Services Brochure  

The third in a series of brochures developed to reflect client's refreshed brand and message.

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