

We're excited to help determine the best loan for you!
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.
Purchase loan
Looking to buy a home or land? Start here! We offer multiple types of purchase loans to fit your unique circumstances.
Refinance Loan
Make your equity work for you! View our refinance loan options.
Construction to permanent
Ready to build your dream home? We are here to help from start to finish. Discover our construction to permanent loan.
Home renovation
Looking to renovate or repair but you don't have enough liquid cash to finance it? Consider our home renovation loans.
Government
Whether you are looking for a lower interest rate or little-to-no down payment options, our government backed loans are a great option.
Non-conforming
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
Mortgage Banking Manager
Serving Johnston County,
Harnett County, and Wayne County
1031 N. Brightleaf Blvd.
Smithfield NC 27577
(919) 938-2652
NMLS #452431
Smithfield NC 27577
(919) 938-2652
NMLS #452431

James Boring
Mortgage Loan Officer
Serving Johnston County,
Wake County, and Wilson County
Wake County, and Wilson County
11591 US 70 Hwy W
Clayton, NC 27520
(919) 550-0200
NMLS#: 2418880
(919) 550-0200
NMLS#: 2418880