Alpine Capital Bank is pleased to offer a full range of credit products for individuals. This page describes several of our personal loan products, and how they can work for you. Click here if you are interested in Business Loans and Mortgages.

Personal Loans:
Alpine Capital Bank offers individual loans to fit your financing requirements. Personal loans are short term in nature with repayment terms to fit your needs. Interest rates may be fixed or floating. Personal loans are normally secured by collateral acceptable to the Bank.

Residential Mortgages:
Alpine Capital Bank offers residential mortgages for the purchase or refinance of your primary, secondary or vacation home, cooperative apartment, condominium unit, or any one-to-four family residential property. Mortgage loans may be secured by a primary or junior lien on the property involved and may be conventional or jumbo, as follows:

• Fixed Rate Mortgages - self-amortizing mortgage loans with an interest rate set for the life of the loan, or mortgage loans with amortization based on a stated period of time, but providing for a balloon payment that is due at the end of an earlier specified term.
• Adjustable Rate Mortgages (ARMS) - mortgage loans with an interest rate based on certain indices which adjust periodically. ARMS may have lower-than-market teaser rates to reduce the borrower's monthly payment in the first year of the loan.
• Home Equity Line of Credit (HELOC) - credit lines secured by a primary or junior lien on residential properties; loans may be interest only or have monthly principal reductions; interest rates are typically adjustable, based on certain indices.

Certain loan to value ratios and credit rating may be required to qualify for residential mortgage loans.