Home Mortgage Loans

• 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

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