Personal Banking

Home Loans

Conventional Loans

  • Conforming loan limit is $453,100.
  • 97% financing available.

Government Loans

FHA Loans
  • Maximum loan amount is $294,515.
  • 3.5% Down Payment required – payment options available.
VA Loans
  • Maximum loan amount is $453,100.
  • Seller can pay buyer’s closing cost up to 4% of sales price.
  • Certificate of Eligibility Required DD214.
USDA Loans
  • 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.
Apply Now for a Mortgage Loan