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Loan Products


Consumer Loans

A consumer loan can be used for purchasing a vehicle, motorcycle, boat, RV, or may be used for personal needs. Turn your wants and needs into reality with a loan from Blue Ridge Bank.

Financing your car or truck is convenient and affordable:

For rates, questions or more information, please call your local branch or one of our retail lending representatives shown below. They will be happy to explain everything you need to know to choose the loan that’s right for you.

Amber Starr Photo
Amber Starr
Vice President
Retail Lending
Phone (816) 874-4707
Fax (816) 224-8251
Email Amber

April Cairer
Assistant Vice President
Retail Lending
Phone (816) 874-4708
Fax (816) 224-8251
Email April


It's easy to apply for a loan!

Click here to apply online

Click here to download our Consumer Loan Credit Application (PDF)



Home Equity Line of Credit

As a homeowner, you can now gain access to the equity in your home through Blue Ridge Bank's Easy Access Line of Credit. Whether you want to buy a car, take a vacation, remodel a room or consolidate high interest credit cards, the Easy Access Line of Credit can help meet your needs, and it's easy.

Once your loan is established, you just write a check. You will only be charged interest on the money you use and still have the remaining funds available for future needs.

With our LEVEL 1 Line of Credit, you can borrow up to 80% of the value of your home at a variable rate of PRIME - 1/2% (Prime currently 4.75%; Floor Rate is 5.00%). View and download the full disclosure and application by clicking Level 1 Application (PDF).

The annual percentage rate will be based on a range from 5.00% APR (Floor Rate) (as defined in the Wall Street Journal, Midwest Edition, as of October 30, 2019) to Prime. The APR may change monthly, but will not exceed 24.00% APR (Ceiling Rate).

$5,000 minimum credit line to open plan. Property insurance required. Other finance charges may include (points) $125 at modification of existing plan. Minimum monthly payments will be equal to the accrued finance charges or $100, whichever is greater. At maturity, you will be required to pay the balance in a single "balloon" payment. 


Mortgage Loans

Blue Ridge Bank and Trust Co. has helped people realize their dreams of home ownership for over fifty years. We specialize in financing homes, not houses, and we understand that going through the process of getting a loan can sometimes be confusing. We understand that every borrower is different and Blue Ridge Bank is committed to helping you find the right mortgage product for your needs.

Whether you're buying your first home or you are already a homeowner, we have the mortgage to fit your needs and make your dreams come true.

Our Mortgage Services and Products Include:


The personal attention you'll receive from a Blue Ridge Bank representative will help simplify the financing process and help make securing a mortgage simple and straightforward. To answer any of your questions, call or email one of our mortgage representatives today.

Our Loan Representatives:

Edy Hall
Vice President, Loan Officer
Retail Mortgage Lending
Phone (816) 795-4075
Fax (816) 795-7947
Email Edy

Lynn Butts-Bockover
Mortgage Loan Originator
Retail Mortgage Lending
Phone (816) 874-8804
Fax (816) 554-6383
Email Lynn