Loan Programs
Three flagship programs — one team that knows your market, urban or rural. Every loan starts with a conversation.
What we do — and what we don't. Local Loan Store™ specializes in commercial, investor, and non-owner-occupied lending plus secured & unsecured business working capital. We do not originate personal loans or owner-occupied residential mortgages. If your scenario is personal or owner-occupied, we'll happily refer you to a trusted partner who is ready to help — just submit your inquiry and we'll route it to the right desk.
Home loans, done with care
From first-time city buyers to forever-home refinancers in the country — we'll find the program that fits your market.
- Conventional & jumbo
- FHA, VA, USDA rural
- Refinance & cash-out
- First-time buyer guidance
Capital that grows with you
From the urban bakery on the corner to the rural contractor on a county road — flexible loans for real businesses.
- SBA 7(a) & 504
- Equipment & ag financing
- Working capital lines
- Non-owner-occupied real estate
CRE financing for builders & investors
We underwrite locally in every market we serve — urban infill or rural land — and look at the whole story, not just a credit score.
- Acquisition & refinance
- Construction & bridge
- Mixed-use, retail, multifamily, agricultural
- DSCR-based programs