Rutherford County Bank 2007 Cherryville Federal Bank 1912 Industrial Federal Bank 1929 Home Savings Bank 1909 Shelby Savings Bank 1905 Tryon Federal Bank 1935 HomeTrust Bank 1926 HomeTrust Banking Partnership


Build It. Buy it. Improve it.

Whether you're looking to build, buy or improve your home, we're here to help. Our knowledgeable mortgage experts can help with traditional financing, a construction-permanent loan or a home equity line of credit. Apply today!


If you are building your home, a Construction-Permanent Loan provides both the funds to build AND permanent financing - with just one closing!

  • One-time closing
  • Quick loan processing
  • 95% financing available
  • Flexible disbursement schedule
  • Flexible terms available
  • Do-it-Yourself construction allowed, up to 80%
  • Interest-only payments during construction


Buying a home doesn't have to be stressful. Our home loan experts will help find the perfect loan program to suit your needs.

Borrowers meeting certain qualifications can be eligible for:

  • Minimum or no down payment options
  • Low closing costs
  • No down payment required for USDA loans
  • Fixed rates and adjustable rate loans available for up to 30-year terms
  • Assistance funds available for down payments and closing costs


Use the equity in your home for the bigger things in life:

  • Begin that home-improvement project you've been dreaming about
  • Help with college tuition
  • Start planning that spring vacation

Visit our Loan Options page or see our Frequently Asked Questions for more information.

All loans and lines of credit are subject to credit approval.

HomeTrust Banking Partnership 10 Woodfin Street, Asheville, NC 28801   PO Box 10, Asheville NC 28802   800.627.1632
Member FDIC / Equal Housing Lender Equal Housing Lender