Home Mortgage Loans

• Competitively low rates for home purchase, refinance, or construction
• A wide range of terms customized to your unique situation
• A variety of financing programs available:
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages (ARMs)
  • FHA Loans
  • VA Loans
  • USDA Loans
  • First Time Homebuyer Program
  • Construction Loans
  • Home Equity Loans
  • Home Improvement Loans
• Low closing costs
• No pre-payment penalty
• Mortgage Loan Originators with working knowledge of the local real estate market
• Free pre-approval for extra confidence when it comes to securing financing
• Refinance your current home to potentially lower your rate
• Local decision-making and processing in your own community
• Personalized service from trusted lenders

The following is a list of documents needed to process your mortgage loan application:

• The last two (2) current pay stubs with year-to-date earnings for each borrower
• The last two (2) years of W-2’s for each borrower
• Signed personal tax returns with all applicable schedules for the last two (2) years ended prior to Mortgage application.
• Most current investment statements
• Additional information may be required

• Competitively low rates for your home construction project
• Available for primary residence or second home construction
• Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
• Pay off interest quicker; payments are interest-only during construction phase
• Payments are made on the amount drawn on your loan sufficient to pay your builder
• Construction draws applied in stages based on work completed