Woman sitting in a new car with the salesperson talking to her.

Personal Lending

Consumer Loans

A consumer loan can be used to purchase a car, truck, motorcycle, boat, or RV, or it may be used for other personal needs. Turn your wants and needs into reality with a loan from Blue Ridge Bank.

  • Competitive, fixed rates with a variety of terms available
  • Simple interest with no prepayment penalty
  • Same-day approval, processing, and closing

Mortgage Loans

Blue Ridge Bank and Trust Co. has helped people realize their dreams of home ownership since 1958. We specialize in financing homes, not just houses. 

  • Fast, free pre-qualification
  • Competitive fixed and adjustable rates
  • Conventional, portfolio, jumbo, and construction loans
  • Home Equity Lines of Credit (see below)

Our Lending Products

At Blue Ridge Bank and Trust, it is our mission to enable people to acquire the financial resources to realize their dreams. If you are dreaming of a new auto or home, we offer convenient and affordable financing. For more information, please call 816-358-5000 or contact a lending representative shown below. 

Home Equity Line of Credit

As a homeowner, you can gain access to the equity in your home. 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.

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.

  • No annual fees, closing costs, prepayment penalty, or termination fee
  • $5,000 minimum credit line to open plan
  • Quick and simple approvals
  • Easy access - just write a check!
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 3.25%; Floor Rate is 5.00%).

View and download the full disclosure and application by clicking Level 1 Application(Opens in a new Window) (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 March 15, 2020) 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.
Our Consumer Lenders
Amber Starr profile photo
Amber Starr
Vice President
Consumer Lending
Phone 816-874-4707
Email Amber
April Cairer profile photoApril Cairer
Asst. Vice President
Consumer Lending
Phone 816-874-4708
Email April
Our Mortgage Lenders
Edy Hall profile photoEdy Hall
Vice President
Mortgage Lending
Phone 816-795-4075
Email Edy
Lynn Butts-Bockover profile photo Lynn Butts-Bockover
Asst. Vice President
Mortgage Lending
Phone 816-874-8804
Email Lynn
Alby Bussey profile photo Alby Bussey
Asst. Vice President
Mortgage Lending
Phone 816-874-4706
Email Alby