Hometown Banking for Generations
Loans
Charlotte State Bank affords you the opportunity to purchase a home, to utilize the equity that you've accumulated in your home, to purchase a car, install a pool, float a boat, take a vacation .... the possibilities are endless. Come to the Hometown Bank for:
Consumer Loans
Charlotte State Bank offers a wide variety of consumer loans to help you purchase the things to maintain and enhance your lifestyle. Call us for current rates and terms for car, RV, education or other personal loans. We're here to help.

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Residential Mortgage Loans
Charlotte State Bank helps area residents realize the dream of home ownership. We offer a variety of home mortgage loans to fit all kinds of budgets. From the first time home buyer to those who want an investment home mortgage loan, you'll receive expert advice and the kind of personal service you'd expect from your Hometown Bank. Regardless of the mortgage you select you'll appreciate:

  • Quick turn around with all decisions made right here
  • Construction-to-Permanent loans with one closing
We offer Fixed-Rate and Adjustable-Rate Mortgages with terms to fit your budget.

For Personalized Service and current rates, call us:

Port Charlotte:
  • Murdock - Connie Ritchhart at (941) 624-5400
  • Midtown - Connie Ritchhart at (941) 624-5400
  • Peachland - Anne Heinen at (941) 627-0038
  • Charlotte Harbor - Anne Heinen at (941) 255-5235
Punta Gorda:
  • Anne Heinen at (941) 639-2511
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Home Construction Loans
Charlotte State Bank helps residents of Charlotte County build their dream of home with one-closing, construction-to-permanent residential mortgage loans.
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Home Equity Lines of Credit
A Home Equity Line of Credit may be an excellent way for you to add a pool or spa, or take a vacation. Interest rates are very favorable, call the office most convenient to you or e-mail us at customerservice@charlottestatebank.com.Top

Reverse Mortgages
A reverse mortgage can be a very useful tool in any well-balanced retirement plan. By converting home equity into income, a reverse mortgage may provide a way to stay in your home and receive cash to use for any purpose – whether it is medical expenses, an extended vacation, another type of investment, or any other expense. If you plan to continue living in your home in the foreseeable future and would like to increase your monthly income then this product may be right for you.


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