Find A Location | Winnsboro State Bank

Branch Locations and Banking Hours

MAIN OFFICE

3875 Front St.
Winnsboro, LA 71295

(318)435-7535

Lobby:
Mon - Thur 9:00 am - 3:00 pm
Friday 9:00 am - 5:00 pm

Drive-In:
Mon - Fri 8:00 am - 6:00 pm
24 hour ATM Location

GILBERT BRANCH

7518 Gilbert St.
Gilbert, LA 71336

(318)435-7546

Lobby:
Mon -Thur 9:00 am - 11:30 am 12:30 pm-3:00 pm
Friday 9:00 am - 11:30 am 12:30 pm - 4:30 pm

Drive-In:
Mon - Thur 8:30 am - 11:30 am 12:30 pm - 4:30 pm
Friday 8:30 am - 11:30 am 12:30 pm - 4:30 pm

24 Hour ATM Location

Mangham Branch

410 Horace St
Mangham, LA 71259

(318)248-2134

Lobby:
Mon -Thur 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm

Drive-In:
Mon - Fri 8:30 am - 5:00 pm

24 Hour ATM Location

Rayville Branch

1907 Highway 425
Rayville, LA 71269

(318)417-7100

Lobby:
Mon -Thur 9:00 am - 4:00 pm
Friday 9:00 am - 5:00 pm

Drive-In:
Mon - Fri 8:30 am - 5:00 pm

24 Hour ATM Location

Simple Switch Kit

Switching to Winnsboro State Bank has never been simpler!

Interested in switching your accounts to WINNSBORO STATE BANK? Not sure how to get started? We’ve developed the WSB Simple Switch Kit, a step-by-step guide to help make your transition to a new Winnsboro State Bank account as simple as possible. Just follow the steps to get started.

Download

Mortgage Loan Calculator

Price of Real Estate?:

Down Payment Percent?:

Amount of Loan?:

Enter a "0" (zero) for one unknown value above.

Number of Payments? (#):

Annual Interest Rate?:

Points?:

Annual Property Taxes?:

Annual Insurance?:

Private Mortgage Ins. (PMI)?:

Payment Method?:

Monthly Payment Amount:

Down Payment Amount:

Total Interest:

Total Principal & Interest:

Original Size

Mortgage Calculator Help

You can calculate the mortgage loan amount from the price of the real estate by providing the down payment percentage.

If you know the mortgage amount you can afford and the cash down payment percentage required, you can calculate the affordable real estate price.

Or if you know the price of the real estate and the loan amout and enter "0" for the down payment percentage, the calculator will calculate the down payment amount and percentage.

Points, Annual Property Taxes, Annual Insurance and Private Mortgage Ins. (PMI) are all optional. If you enter values, the periodic portion of each will be calculated and shown on the schedule. Property taxes and insurance are combined under escrow.

If a borrower does not have cash to cover at least 20% of the purchase price, some lenders will require the borrower to purchase private mortgage insurance (PMI) to cover against a possible default. Premiums are typically 0.5% to 2.0% of the original loan amount. The borrower can drop the insurance coverage once the mortgage balance is less than 80% of the original purchase price. The calculator handles this automatically. (There may be other conditions as well under which the lender will no longer require PMI. One such case might be apprciation of the real estate.)

Points are charges that are normally due at closing. Borrowers (normally only in USA) may select to pay a lender "points" up front in exchange for a lower interest rate. Points are expressed in percent and are calculated on the amount borrowed. 3 points on a $200,000 mortgage equals $6,000. If the user enters points, this calculator includes their value in the summary and as part of the total payment at loan origination on the payment schedule.

The term (duration) of the loan is expressed as a number of months.

60 months = 5 years
120 months = 10 years
180 months = 15 years
240 months = 20 years
360 months = 30 years

Need more options including the ability to solve for other unknowns, change payment / compounding frequency and the ability to print an amortization schedule? Please visit, https://financial-calculators.com/mortgage-calculator