Mortgages

CognateHoldings is the one source for the competitive rates and personalized service you deserve.

From prequalification to settlement, our hometown mortgage experts guide you through the sometimes complicated, confusing process of home mortgages. With Cognate you will
… know how much house you can afford upfront
… confidently search for your dream home
… possess negotiating power
… easily transition from pre-qualification to settlement

Your community’s bank offers fixed interest rates with terms up to 30 years.

New Construction Loans

Our single-settlement construction to permanent loan for new homes saves you the settlement costs of two closings.

Home Equity Loans / Lines of Credit

Cognate helps you realize your home’s potential!

Turn the equity in your home into cash for college tuition, a vacation home, overdraft protection, debt consolidation, remodeling…

• Loans: 12 to 240 month terms; fixed interest rate for the life of the loan
• Lines: No application fee on Open-end line of credit accessed by check; 15 year draw with a 15 year payback; variable interest rate based on Prime Rate

Rates

Automobile

Let us help you get behind the wheel. With terms of 48 months on new vehicles and 36 months on used, Cognate can steer you in the right direction.

How much car can I afford?

Personal Loans

With terms from 12 to 36 months, and no collateral needed, a personal loan from Cognate is the perfect answer to short-term borrowing for life's unexpected purchases.