Home Loans

The #1 Lender in Franklin County — for a reason!

When you’re ready to buy your home, you have a choice. Work with the big bank based in another state, or work with friendly, helpful bankers who know the community. Heck, there’s a reason why GSB is the number one lender in Franklin County. It’s because we combine real expertise with in-house answers, quick service, and local decision-making. Stop by and let’s talk about working together to make your dreams come true.

Call us today to learn more about any of these options. 

Fixed Rate

Enjoy the comfort of having an interest rate that won't change, ever. Whether you're looking for 30 years, 15 years, or another term entirely, give us a call.  We have flexible terms available.

Adjustable Rate

Offering the lowest, most competitive rates available in the marketplace, the loan payment may change on a schedule that you’ve chosen.


We're the only community bank in the Valley to offer this great option!  Make your payments every other week and enjoy substantial savings over the term of your mortgage.

Government Programs

Think of us as a one-stop shop for all of your mortgage needs.  On top of the traditional financing options available to the market, we offer the following government programs:

USDA Loans

USDA loans are government-sponsored mortgages available to people with low to moderate income, living in a rural area. They offer competitive interest rates, and don’t require a down payment. Borrowers need to meet certain government guidelines to qualify, including income and credit requirements. Ask any mortgage officer for more information!

VA Loans

VA loans help service members, veterans, and eligible surviving spouses become homeowners. They can be fixed- or adjustable-rate, and have no pre-payment penalties. Borrowers need to meet certain guidelines to qualify, including a certificate of eligibility from the department of Veteran’s Affairs. To learn more or to apply, stop by any GSB office today.

FHA Loans

FHA loans have been helping people become homeowners since 1934! They feature low down payments, and are available to people who may have had credit challenges in the past. Borrowers need to meet certain guidelines to qualify, including income and credit requirements. To learn more or to apply for a FHA loan, call or stop by any Greenfield Savings Bank office today.


Construction Loans

Whether you’re building your dream house or expanding your current home, cut costs with only one closing for both your construction and permanent financing. Fixed or variable rate options are available, the choice is yours.