Home Lending

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Pre-Qualification Request

Complete the Pre-Qualification Form online!  Before you start, it’s important to get pre-qualified on how much home you can afford.  This will give you an idea of how much you will need for a down payment, closing costs and finding a home within your budget.  We look forward to helping and guiding you through the entire process from beginning to end!

Apply Online!

Apply online for Pre-approval!  Obtaining lender pre-approval prior to making an offer on a property can be a sound strategy when buying a home.  You’ll have a better understanding of your preliminary financing options, as well as your price thresholds when it comes to home shopping.  In competitive markets, sellers are also more likely to consider serious offers from buyers who have secured loan pre-approvals, since there is a higher likelihood that the transaction will close.  Sellers may be more willing to accept a buyer’s offer when they know that a lender has already reviewed certain credit and perhaps qualifying loan documents essential to the transaction.  Lenders will usually provide a pre-approval notification in writing, which can be presented when submitting a purchase offer. Once you’ve submitted your loan application, you will be contacted by your Mortgage Loan Consultant to detail product and financing terms best fits your needs.  

 

 

Mortgage Products

Bank 34 is federally charted and this certifies us to do mortgage loans in any state.   

Whether you’re building your dream home or looking to buy an existing one, we work closely with you to make that dream a reality.

  • Credit scores as low as 500 are accepted
  • Borrowers with a low down payment
  • Recent credit events such as bankruptcy, short sale, foreclosure and history of late payments are acceptable
  • Purchase & Refinance (Rate & Term or Cash-out)
  • Primary residence, second home or investment properties
  • Conventional, VA, FHA, USDA, and Jumbo