Mortgage Loans
When you’re ready to take
that important step towards home-ownership, we’re here to help
you, every step of the way. Our mortgage lenders believe that
there’s no place like home. We also understand that with an
investment that big, it’s important to find the right
financing plan for your home. That's why we offer a variety of
programs to suit your purchase or refinance needs. Our lenders
will help you find the one that’s perfect for you. We’ve even
provided you with a check list of the things you’ll need to
get the application process underway.
When you apply for a mortgage
with SouthCrest Bank, you can expect:
- No application fees for
loan pre-qualification
- Competitive rates and
flexible terms
- Quick turn around from
application to closing
- Fast, local decision
making
- Local loan servicing and
acceptance of payments
We offer products including:
- Fixed Rate
- Adjustable Rate
- Low or No Down Payment
- Construction / Permanent
- VA / FHA Mortgages
- Home Equity Lines of
Credit
Talk with our mortgage
experts and let us help make your home ownership dreams come
true!
Mortgage Loan Checklist
Our mortgage experts make it
easy, and they’re here for you every step of the way. For your
convenience, we’ve provided you with the following checklist
of information you’ll need to apply for a mortgage loan:
For a home purchase or for
refinancing your home, you’ll need:
- Current mortgage
information, copy of property tax bill and homeowners’
insurance.
- If currently renting your
home, bring the name, address and phone number of your
landlord.
- Employment Information:
Name, address and phone number of all employers for the past
2 years (for both borrower and co-borrower)
- Income Information for
past two years: W-2 or 1099 forms, income tax returns for
self-employed or commissioned along with year-to-date profit
& loss statement, last 30 days of pay stubs
- Assets: Bank statements
for past two months on all checking, savings, and investment
accounts
- Current Liabilities: List
of liabilities including current balance(s) and minimum
monthly payment(s)
- If you are purchasing a
home, you’ll need the sales contract with original
signatures.
Email Tammy Ballard in Tyrone OR Clark Ninneman in Fayetteville for more information.
Links to other web sites are provided for
our customers' convenience. SouthCrest Bank is not
responsible for the information displayed nor the maintenance
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