Financing Dreams

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USDA/Rural Housing Loans

• Sponsored by the US Department of Agriculture
• Makes homeownership affordable for qualified borrowers with low to moderate income in rural communities
• Can provide up to 100% financing with competitive rates and terms

FHA Loans

• Insured by the Federal Housing Administration
• Especially popular with first-time home buyers
• Low down payment with competitive rates and terms

Adjustable Rate Mortgage (ARM)

• Conventional with a periodically adjustable rate based upon a preselected index.

Fixed Rate Mortgage

• Conventional loan with low, fixed interest rates

Home Equity Line of Credit (HELOC)

• Line of Credit available to borrowers who have equity available in their current home
• Use your home equity to consolidate bills, pay for tuition, vacation, or whatever you choose

Land Loans

• Secured by unimproved or improved real property
• FMB Loans up to:
  • 65% on unimproved property
  • Up to 75% on improved property

Lock & Shop

• Home Shoppers may lock the interest rate and shop for a home without an address or contract for 60 days.

Construction Loans 

• Take up to 12 months to build 
• Competitive rates
• Quick Approvals
• Interest only during construction period 

Financial Calculators

What should I bring with me to apply for a Home loan?

The following information is necessary to fully underwrite your loan request.  Please bring this information with you when you apply to expedite the loan decision process. 

• W-2’s and Federal Income Tax Returns for the previous two years.
• If self-employed by your own corporation, please provide your corporate returns for the previous two years along with a profit and loss statement.
• Most recent pay stubs for the previous 30 days.
• If you choose to use social security, disability, or pension income, we will need a copy of the award certificate from the issuing agency.
• Please provide copies of the bank statements for the most recent two months.
• Please provide recent monthly or quarterly statements to verify all stocks, bonds and other securities.
• Please provide a copy of most recent Home Owner’s Insurance Policy.
• Accepted sales contract with any amendments or counteroffers signed by all parties.
• If you have been in any legal proceedings (Divorce, Bankruptcy, or Foreclosure) additional documents may be required.

 Additional documentation needed for Construction Loans

• Legal description of subject property
• Plans and Specs
• Estimate of cost to build, include copies of bids