Use our calculator to get an idea of what your monthly payment would be if you know the loan amount you’re looking for. You'll also be able to print an amortization schedule to see your payment breakdown for the life of the loan.
For your convenience, we will schedule your closing to take place in one of our branches or the office of the closing agent, near your home.
We will deliver the loan documents and wire transfer your loan funds to the closing agent or attorney prior to closing so they will have plenty of time to prepare for your closing.
Automated monthly payments are available. At the loan closing an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.
If you are not able to attend the loan closing, contact your Mortgage Banking Officer to discuss other options. If someone you trust is able to attend on your behalf, you may execute a Power of Attorney so the person can sign documents on your behalf.
The closing agent acts as our agent and will represent us at the closing. He/she will contact you prior to closing to talk about your final documents and to provide a final breakdown of your closing fees. If you have any questions the closing agent cannot answer during the closing, ask them to contact us by phone and we will get you the answers you need - before the closing is over.
Please contact your lender if you have questions about attorney representation. By all means, we recommend that you have an attorney at the closing if it would make you more comfortable. If your attorney has any questions about your new mortgage, please refer them to us. We would be happy to provide any information necessary.
The closing will take place at one of our branch locations or at the office of an attorney in your area, who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you.
During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing will be able to answer any questions you have and you may feel free to contact us for further clarifications.
Your property must be complete and in good condition. Unfinished areas or repairs and renovations in process may affect our ability to offer some loan products.
Please describe your property condition to us in detail if it is in some way incomplete.
We define manufactured housing as housing units which are factory built with a steel undercarriage that remains as a structural component and limits the structure to a single story. These types of manufactured homes are sometimes known as mobile homes. We do not consider other factory-built housing (not built on a permanent chassis), such as modular, prefabricated, panelized, or sectional housing, to be manufactured housing. If your home is one of these types, please complete the application indicating your home is a single family home.
Licensed appraisers who are familiar with home values in your area perform appraisals. We order the appraisal as soon as the appraisal fee is paid. Generally, it takes 10-14 days before the written report is sent to us. We follow up with the appraiser to insure that it is completed as soon as possible. If you are refinancing, and an interior inspection of the home is necessary, the appraiser should contact you to schedule a viewing appointment. If you do not hear from the appraiser within seven days of the order date, please inform your Mortgage Banking Officer.
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