Personal Banking

Home Loans

Conventional Loans

• Conforming loan limit is $806,500.
• 97% financing available.

Government Loans

FHA Loans

• Maximum loan amount is $524,225.
• 3.5% Down Payment required – payment options available.

VA Loans

• Maximum loan amount is $806,500.
• Certificate of Eligibility Required DD214.
• Up to 100% Financing

USDA Loans

• 100% Financing Available
• United States Department Agriculture Rural Developments.

Items Needed for Mortgage Application

• Completed application, including two years of residency and employment history.
• Copy of driver’s license & social security card for each borrower.
• Current statement of assets: stocks, bonds, mutual funds, IRA’s, 401K’s, etc.
• Two months most recent bank statement for all checking, savings, and brokerage accounts.
• A minimum of two years complete personal tax returns
• Last two years W-2’s or 1099s
• Most recent pay stubs for each borrower, and most recent documentation of other income sources (retirement, social security, note income, child support, etc.)
• Copy of signed contract.