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We're excited to help determine the best loan for you!

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Before you apply...

Due to an increase in mortgage application volume, please contact one of our Mortgage Loan Officers before applying. If you have already talked with one of our KS Bank Mortgage Loan Officers, begin your application by clicking Apply Now.
Looking to buy a home or land? Start here! We offer multiple types of purchase loans to fit your unique circumstances.
Make your equity work for you! View our refinance loan options
Ready to build your dream home? We are here to help from start to finish. Discover our construction to permanent loan.
Looking to renovate or repair but you don't have enough liquid cash to finance it? Consider our home renovation loans. 
Whether you are looking for a lower interest rate or little-to-no down payment options, our government backed loans are a great option. 
You are unique, and so are the challenges you encounter. One size does not fit all-including mortgages. If you have a special circumstance consider our non-conforming loan option.

Tracie Worley professional photo.

Tracie Worley
Mortgage Banking Manager
Serving Johnston County,
Harnett County, and Wayne County

1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431
James Boring
Mortgage Loan Officer
Serving Johnston County,
Wake County, and Wilson County

11591 US 70 Hwy W
Clayton, NC 27520
(919) 550-0200
NMLS#: 2418880