Mortgage / Real Estate

When it's time to find the home of your dreams, count on Eastman National Bank to help you finance it. We offer competitive rates on all types of mortgages. In addition to our in-house mortgage loans, we also offer secondary market loans with fixed rates for loan terms up to 30 years. We are by your side every step of the way, answering all of your home financing questions.  

Ready to take the next step towards your dream home?

Contact the Eastman National Bank Mortgage Department by email: or call (580)718-9990 for more information.



Fixed Rate products offer a fixed interest rate for the life of the loan with terms ranging from 10 to 30 years.

Adjustable Rate

Adjustable Rate products are also referred to as ARM’s. The initial interest rate and payment are fixed for the first 3 or 5 year period. After the fixed-rate period, the loan’s rates and payments may adjust as treasury rates change.

Government Insured Loans

FHA – FHA loans are insured against default by the Federal Housing Administration. FHA loans require smaller down payments with amounts as low as 3.5%. They also feature less-stringent income and financial requirements. Financing options include fixed-rate loans ranging from 15 to 30 years. FHA allows the seller to contribute up to 6% towards buyers closing costs and pre-paid expenses.

VA – VA loans are guaranteed by the Department of Veterans Affairs and are available to qualified veterans, active-duty personnel, and reservists. VA loans require low- or no-down payments and financing options include fixed-rate loans of 15 to 30 years.  Sellers are allowed to contribute up to 4% towards a buyer's closing costs and pre-paid expenses

RD – RD (Rural Development) loans are insured against default by the United States Department of Agriculture. These loans are made on properties in smaller communities and in rural areas. There are maximum income limits. RD loans require no money down. Sometimes closing costs can be included in financing if the property appraises for more than the purchase price.

Section 184/HUD 184

The HUD 184 Home Loan Program offers home ownership and refinancing opportunities for eligible Native American tribal members. This loan offers low down payments of as little as 1.25%.


Conventional mortgages are not insured or guaranteed by a government agency such as HUD or FHA. Private mortgage insurance (PMI) is usually required with down payments of less than 20 percent down as a protection for the lender’s investment if the borrower defaults. There are many different programs offered with Conventional financing from fixed–rate loans of 10 to 30 years. The minimum down payment on a conventional loan is 5% and the seller can contribute up to 3% of the sales price towards buyer’s closing costs and pre-paid expenses.

Home Again Program

Eastman’s Home Again Program is an in-house fixed rate 15-year loan available on purchases or outside of the bank refinances.  The maximum loan amount for this program is $65,000 with a minimum down payment requirement of 10% with no PMI (Private Mortgage Insurance).  The credit and debt to income requirements are similar to those of an FHA loan. This product is only available for Eastman National Bank customers and automatic loan payment drafts must be set up from an ENB account.


Wanting to build your dream home? We offer construction loans for new home construction or renovations of a pre-existing home. We offer specialized financing that can streamline the construction process.


Whether yours is a new start-up business or you are planning to expand your business, ENB offers competitive rates and terms.

  • Inventory Financing
  • Real Estate- Purchaser or Refinance
  • Working Capital Lines of Credit
  • Small Business Administration Loans
  • USDA Guaranteed Loans

Home Equity Line of Credit (HELOC)

HELOC’s are a cost-effective way to use the value of your home to pay for home improvements, debt consolidation, or other major purchases.  A HELOC establishes a line of credit based on the equity in your home and your ability to repay.  As you repay the outstanding balance, that amount is available to use again without reapplying for a loan.

Let the equity in your home work for you. Loans of up to 90% loan to value are available and your interest may be tax deductible. - APPLY ONLINE


Our experienced loan officers have hands-on knowledge of farming and ranching practices. Eastman can provide the funding you need for all agriculture needs. We understand the agricultural market and would appreciate the opportunity to visit about your operation and your goals and see how we could make a difference in your productivity.

Contact us at or call us at 1-855-350-1362.


Need a loan? Buy a new or used car, boat, RV, or go on a vacation with the help of a consumer loan! - APPLY ONLINE