Personal Loans

Loans Made for You

UnLock Heloc: Home Equity Line of Credit

Start a business, complete a home renovation project or pay off credit cards.

Your home can help build your future. Our home equity line of credit grants individuals the power to manage their financial lives through ready cash, available with just the click of a button. Qualified BSF customers can borrow against 100% of the value of their home.

  • Make interest only payments up to 10 years
  • Pay down or pay completely off at any point in time with no additional fee
  • Access your funds anytime, anywhere through www.BSF.net

For more details, application package, or to make an appointment, click here.

Construction Loans

Ready to build? We can help with that. You manage your construction project, and we’ll manage your short term loans to finance the costs. For our customers and their contractors, relationship banking means a smoother construction process.

  • Only pay interest during the construction period
  • Funds will be advanced as work progresses
  • Eligible properties include: Primary and secondary residence, including investment properties
  • Must requalify for conventional loan once construction is completed

For more details, application package, or to make an appointment, click here.

One-Time Close Loans

When you’re building a home, finding the right loan package can make all the difference in your experience.

Don’t get bogged down with red tape and confusing lingo. With our “One-Time Close” loan, you only have to qualify once.

  • Submit your loan application
  • Get approved and start building your dream home
  • Roll your construction loan straight into a conventional mortgage WITHOUT re-qualifying or paying additional closing costs

For more details, application package, or to make an appointment, click here.

Conventional Home Loans

Ready to buy a home or refinance the one you already own? For our customers, relationship banking means a smoother closing process.

For more details, application package, or to make an appointment, click here.

Land/Lot Loans

Whether you’re eyeing a piece of land for your dream home, or planning a new development, working with a community bank has its perks.

  • Move your primary checking to BSF and receive a special low rate*
  • One or two year interest only terms available
  • Financing up to 85% of the lower of the purchase price or appraised value

* 1 year term only. Other requirements apply

Purchasing in West Feliciana? Ask about our West Feliciana Land/Lot special rates for purchases of 20 acres or less.

For more details, application package, or to make an appointment, click here.

NMLSR Information

The following employees of Bank of St. Francisville (NMLS ID 438247) are registered with the NMLS as Mortgage Loan Officers:

  • H. Carter Leak, IV: 1255182
  • Janis J. Crutchfield: 512583
  • Kellye F. Cornette: 512288
  • Melvin S. Harvey, Jr.: 517218
  • Aimee Cook: 1658275
  • Douglas Dupont: 1325487

*For anyone looking to buy, build or refinance a home, we encourage you to make use of this guide:

Janis Crutchfield

V.P. Consumer Lending

Kellye Cornette

V.P. Mortgage Lending

Melvin Harvey, Jr.

V.P. Commercial Lending

Aimee Cook

V.P. Commercial and Mortgage Lending