Personal Mortgages

At Sumner Bank & Trust, we make the dream of owning your own home easy with a mortgage loan suited for you. We know the local market and have the experience to structure a loan to meet your specific needs. Our friendly team of lending officers has the experience and know-how to make your dream a reality.

For personal mortgage service, please contact a loan officer at 615-452-8877 or 615-451-4151.

Mortgage Loan Services:

  • Purchase Loans
  • Refinance Loans
  • Construction Loans
  • Lot/Land


Select A Mortgage Loan To Fit Your Financial Situation. Before you apply for your mortgage loan, you’ll need to decide which type of loan may be right for you.

  • Fixed Rate Loans have a fixed rate and monthly payment for the entire life of the loan. It’s easy to budget for this type of loan because your payment will always be the same. The rate on a conventional mortgage loan is generally higher than an adjustable rate mortgage.
  • Adjustable Rate Loans usually start with lower rates than conventional loans. We’ll let you know how much the rate can be adjusted over the life of the loan, so you’ll know from the beginning the absolute maximum amount you would ever have to pay. If you will be moving in a few years, or if you think interest rates will be going down, you’ll want to consider an adjustable rate since monthly payments may be lower.


Sumner Bank & Trust

NMLS# 419247