Whether you are refinancing, purchasing or building a home, we have competitively priced mortgage loans structured to fit your needs.

Mortgage Loan Team

Ginger Sergent Ginger Sergent
Vice President
Main Office
(304) 399-6465
Sheila Martin Sheila Martin
Vice President - Lending
Rock Branch Office
(304) 399-6471
NMLS #807520
Tyra Moore Tyra Moore
Mortgage Loan Officer
Rock Branch Office
(304) 399-6472
NMLS #807522


At First Sentry Bank, we provide you with numerous solutions in the area of mortgage loans.  By offering these various loan products, we enhance our ability to match you and your needs with the mortgage loan type that works best for you.  Below, you will find many of the mortgage loan products that we offer.  We encourage you to contact us for more information and to get the loan process started.

Fixed Rate Mortgage

Purchase a new home or refinance your existing home with predictable and steady monthly mortgage loan for the length of the loan with loan terms from 10 to 30 years.

Balloon Loans

Each balloon loan features a fixed rate for a period up to five years with your monthly payment calculated on amortizations up to thirty years. At the end of the five year period, the note is mature and will need to be refinanced at the current interest rate.


A USDA Rural Development loan can help you purchase your dream home with no money down with a low 30 year fixed rate. The USDA program is for rural development so not all properties qualify and income limits do apply.

FHA Loan

The FHA program can help you finance the purchase of a new home with a low down payment. Currently, FHA will finance up to 96.5% of the purchase price. Typically, mortgage insurance is required throughout the term of the loan.

Jumbo Loan

This program allows you to borrow more than $417,000. These jumbo loans have fixed and adjustable rate options for both primary residences and vacation homes.

Construction Loan

You want to build a new home, First Sentry Bank will allow you to pay interest only payments during the construction phase.

Lot Loans

If you are looking to purchase land, First Sentry Bank can help. We offer land loans with competitive rates.

Home Equity Loans

Need money for home improvements or to consolidate debt? Do it all with a home equity loan or line of credit from First Sentry Bank. You’ll enjoy great low interest rates with all of our home equity loan options.


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