IMPORTANT NOTICE -- During the coming weeks, BAC will introduce several online improvements. These include a brand new web site, a simplified log-in process, enhanced Business Online Cash Management, and refreshed Personal Online and Mobile Banking. Click here to preview some of these changes now.

Personal Banking » Loans

Residential Mortgage Loan

Our Residential Loan Department provides all of our clients' professional, friendly service as well as a wide array of products and programs that best meets their needs. It is important to us to keep the client informed during the processing of their loan so that there are no surprises at the closing and make the financing process a positive experience.


Purchase, refinance, and/or build a new or second home. Fixed rate loans are offered.

Mortgage Calculator

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Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) may be for you if you have one-time and/or ongoing financing needs. A HELOC can provide you the option to receive your cash all at once but also give you the flexibility to use your credit anytime for any expense. Only pay interest on the amount you withdraw.


If you want to make home improvements, build an addition to your home or put in a swimming pool, contact us to discuss your needs or apply for a Home Equity Line of Credit.

Fast Cash™ Personal Line of Credit

Enjoy the benefit of being able to use an overdraft protection line for customers who occasionally run short on cash due to unexpected expenses, such as medical bills or auto repairs.

Personal Consumer Loan

Looking for a new car or want a new kitchen? Need to consolidate debts or cover unexpected expenses? We make it easier than you think with a consumer loan from BAC Community Bank. Plus, with a choice of financing options, and fast personalized service, the process couldn't be simpler.

Bank Registered Mortgage Loan Originators

Jack Alan McAuley #797470 VP Residential Loan Manager (209) 444-3381

Registration and a review of the loan officer's history can be viewed by accessing the NMLS Consumer Access website: .

Loans and Lines of Credit are subject to local underwriting and approval.


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