Home Loans

We’ve built our mortgage solutions with Sandhillers and Sandhills communities in mind. Our experienced mortgage officers are ready to help make this process simple and easy, as it should be.  


What's Your Goal?

The Sandhills Advantage makes buying a house easy with our flexible mortgage options, dedicated team, flexible rates, and autopay discounts.

Buy a Home

Whether you are buying a home for the first time or refinancing an existing home loan, we can help with flexible terms including long-term fixed rates.

Build a Home

We can assist in making your dream home become a reality with a construction loan from Sandhills State Bank.

Buy a Second Home

Looking at a home on the lake or a cabin in the country? Our team will help you go from looking to moving into your new home.

Use Your Home's Equity

Are you looking to renovate or repair your current home? We will help you put your home’s equity to work with a Home Equity Loan or Home Equity Line of Credit.


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Personal Loans

Loans to help improve you and your family’s quality of life.  When you’re ready to build for the future, Sandhills State Bank has the lending options to help you reach your life goals.


Auto Loans

First car or trading vehicles? Sandhills State Bank can help.

Personal Loans

Whether it is an unexpected expense or planned get-away, we can help you get the cash you need to meet your needs. Contact a personal banker today.

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