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Apply Now!

We are excited to work with you to determine the loan that best fits your needs.

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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 here
Ready to build your dream home? We are here to help from start to finish. Discover our construction to permanent service here. 
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. Learn more here
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,
Wake County, and Wayne County

1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431

Kelly Aycock professional photo.
Kelly Aycock
Mortgage Loan Officer
Serving Johnston County
and Wilson County

115 West Anderson Street
Selma, NC  27576
(919) 965-6351
NMLS#: 452417