Get competitive rates to build, buy, or refinance from local lenders who are committed to making a difference at home.
Key Features
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Competitive Rates
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Local Processing
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Quick Decisions
Details
- Competitive rates for home purchase, refinance, or construction
- Available for primary residence, second homes, vacation homes, or investment properties
- Repayment terms customized to fit your budget
- A wide range of financing programs available:
- Fixed rate mortgages
- Adjustable rate mortgages (ARMs)
- USDA Rural Housing Loans
- FHA Loans
- VA Loans
- First Time Homebuyer specials
- Construction Loans
- Helpful loan advisors with working knowledge of the West Kentucky real estate market
- Free pre-approval for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Quick decision-making and processing
- Attentive, friendly service from start to finish
What You Need to Apply
Below are items that may be needed during your mortgage application.
Personal Information
- Copy of driver's license and social security card
- Name, address and phone number of employers for previous 2 years
- Previous 2 years W2s and tax returns (all pages, including all schedules)
- Pay stubs to cover past 30 days
- Year to Date Profit and Loss statement and Balance Sheet if self employed
- Social Security award letter, pension award letter (if applicable)
- Past 2 months bank statements, all pages (checking, savings, CDs, etc.)
- Most recent quarterly retirement statement, all pages, include terms/conditions
- Gift Letter and copy of gift check (if applicable)
- Landlord address and phone number or past 12 months cancelled rent checks (if applicable)
- Check or Credit Card information for appraisal, copy of front only of card and security code on back
- Copy of the settlement statement if your have sold your current home
Miscellaneous (if Applicable)
- Copy of divorce decree and settlement agreement
- Copy of bankruptcy discharge and all schedules
- If refinancing, copy of settlement statement and note
Items to Be Received from the Realtors
- Copy of the purchase contract and all addendums signed by all parties
- Copy of the property disclosure signed by all parties
- Copy of the listing contract if your are selling your current home