Mortgage Products

Helping people achieve their dream of home ownership has been Bank 34’s passion from the beginning. 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.

Residential Mortgage Products

  • Purchase & Refinance (Rate & Term or Cash-out)
  • Conventional, FHA, VA, USDA, Jumbo
  • Primary residence, second home or investment properties
  • Fixed and Adjustable rate mortgages
  • Flexible down payment options and closing costs assistance
  • FHA financing with only 3.5% down payment and flexible credit score requirements
  • Portfolio / In-House mortgage loan products for flexibility and out of the box underwriting
  • Construction & Renovation loans (in select markets)
  • Construction to permanent loans (in select markets)
  • Home Equity loans (in select markets)
  • Niche products available (e.g., various down payment options; bank statement designed for self-employed borrowers; asset based designed for customers on fixed incomes; expanded ratios; interest only; one year tax returns products)
  • Free, same day mortgage/home pre-qualifications. By telephone, in person, or online
  • Loan Originators available 7 days a week by appointment or through the Residential Mortgage Center Apply Now link


Bank 34 is proud to serve the U.S. Armed Forces and Veterans.

  • VA Mortgage Loans featuring 0% down and flexible credit score requirements for qualified U.S. Veterans
  • VA Interest-Rate Reduction Loans with minimal closing costs and flexible credit score requirements

My Base Guide

Post Housing - Holloman Housing