Our Holiday Hours: Closing at Noon on December 24th & CLOSED on December 25th for Christmas • Closing at 4:00pm (Kanawha closing at 3:00pm) on December 31st & CLOSED on January 1, 2025 for the new year. Happy Holidays! View all bank holidays
Helping You Become a Homeowner
Whether you’re buying your first home or building your retirement home, working with the right financial partner is crucial. With decades of combined expertise and in-depth knowledge of the local market, we’re more than equipped to help you.
Want to Buy, Build, Remodel, or Refinance Your Home?
Our Home Loan Officers
Whether you're buying, building, remodeling, or refinancing your home, our experienced lenders are here to help you.
Apply online with a lender below. If you are unsure which lender to select, fill out the general application and we will assign a lender for you.
Our Home Loan Options
Buy Your First Home
Build Your Home
Borrow Against Your Equity
Lower Rate Than Your Current Loan
Loan Rate Types
Bridge Between Buying and Selling
Veterans, Their Families, and Survivors
Single-Family Housing Guaranteed Loans
Benefits of Working With Us
Free Pre-Approvals
We offer free pre-approvals because knowing what you can afford is a great first step for buying or building a home.
Customer Service
We provide personal assistance to help you through the home loan process and answer any questions you may have.
How does the pre-approval process work?
To get started:
- Submit an online application or contact one our our Home Loan Officers.
- Income Verification: Pay stubs for 30 days and two years of W2’s or if self-employed, two years of federal tax returns.
- Asset Verification: Recent monthly statements from accounts with funds in them that could be used for a purchase.
Next Steps:
- Your lender will then pull credit, check ratios, and determine the best loan option for you.
- Buying a Home: Provide a copy of the purchase agreement.
- Building a Home: Provide a copy of blueprints and costs.
Frequently Asked Questions
How do I get started?
We’d recommend getting pre-qualified first. Apply online here.
How do I lock my rate?
Contact a home loan expert.
Can I apply for a loan before I find property to purchase?
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we'll issue an approval subject to you finding the perfect home. We'll issue a pre-approval letter online instantly. You can use the pre-approval letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-approval for a mortgage may give more weight to any offer to purchase that you make.
I found a home to purchase and I have been pre-approved. What now?
When you find the perfect home, contact your loan officer to complete your application. You'll have an opportunity to lock in our great rates and fees then and we'll complete the processing of your request.
I've completed my online application. What's next?
After your application is completed, a Loan Officer will contact you. Your Loan Officer is a mortgage expert and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan. You will then be sent an application package which contains papers for you to sign and a list of items we'll need to verify the information you provided about your finances during the online application.
What about my appraisal?
We'll order the appraisal from a licensed appraiser who is familiar with home values in your area. Depending on your finances and the loan amount requested, different types of appraisals are used. Sometimes the appraiser will need to view the home; sometimes they are able to do their evaluation from the street.
How long does an appraisal take to receive back?
The appraisal process typically takes 2-3 weeks to be completed. Our appraisals are completed through third party vendors, The wait time can vary depending on the timing of the year or the appraiser's workload.
What is the difference between assessed value vs. appraised value?
The assessed value of a home is determined by your local government. The local government authority utilizes this value when determining property taxes.
The appraised value is completed by a qualified, licensed appraiser. The appraisal determines the fair market value of the property. The value is determined by using comparable sales similar to the home being purchased in the area, square footage, number of bedrooms and bathrooms, lot size, location, and condition to name a few. The lender is verifying the home is valued at the amount of the buyer's purchase price.
Do I need title insurance?
Title insurance will be necessary. If you are purchasing a home, we'll work with the real estate broker or seller to ensure the title work is ordered as soon as possible. If you are refinancing we'll take care of ordering the title work for you. We'll use the title insurance policy to confirm the legal status of your property and to prepare the closing documents.
What is the loan closing process?
After we receive your application package, the appraisal, and the title work, we'll contact you to schedule your loan closing. If you are purchasing a home, we'll also schedule the closing with the real estate broker and the seller. A few days before closing your Loan Officer will contact you to walk through the final information.