Mortgages

PFB works with you to identify exactly where you stand, what program best fits your needs, and helps you through the entire mortgage process. As a community bank, we’re focused on the needs of the communities we serve and the people like you who live there. Our lending decisions are still made right here in town, by people who get to know you and your needs.

When it comes to helping you purchase your new home, or helping you refinance, we believe only the best service will do.

HOMEOWNER. SOUNDS GOOD, DOESN'T IT?

Whether you are a first time buyer or a seasoned home purchaser, the loan process can seem overwhelming. But we'll make it quick and manageable. It only takes about 30 days from initial application to closing. Use this guide to help you through the process, or come in for a visit. We're available to walk you through every step of the way.

1. Application Checklist

Bring these items with you...

Two years of W-2’s
Two years of Federal Tax Returns
Most recent months’ pay stubs
Last two months’ statements for checking and savings accounts
Divorce decree, if applicable (to verify child support and/or alimony payments)

For self-employed applicants: signed copies of last two years’ Federal Business Tax Returns

2. Prequalifier Letter

Increase your buying power! Meet with a Loan Originator or apply online. You’ll have a letter in your hands within hours and can start shopping for your dream home!

3. Find it and buy it!

Find the dream home that fits your needs, and your budget.

4. Protect Yourself

Many buyers make their offers contingent on a home inspection. Don’t let your dream home become a nightmare!

5. Final Approval

Bring us the purchase agreement and lock in on a rate! We may need some additional documents at this time, and will order the appraisal and get the title to the property updated for closing. Final approval usually takes about two weeks.

6. CELEBRATE!

Once all the paperwork is signed, the keys are yours and it’s time to plan the Housewarming Party!

Mortgage Calculator

Loan Amount

Length of Mortgage

Years

Annual Interest Rate

Use this calculator to estimate your monthly mortgage payment. Simply enter the loan amount, length of your mortgage and annual interest rate to calculate your payment.

Disclaimer: Monthly payments shown are principal and interest only and do not include private mortgage insurance (PMI), taxes, insurance or other escrows. Actual payment amount may be greater.