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  2. Mortgage Loans

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.

Member FDIC

Equal Housing Lender

Secure Rate

Secure Rate

Secure Approval

Secure Approval

Secure Closing Date

Secure Closing Date


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.

Checklist

1. Application Checklist

  • 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

Prequalifier Letter

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!

Find a home

3. Find it and buy it!

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

Protect yourself

4. Protect Yourself

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

Final Approval

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.

calebrate

6. CELEBRATE!

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

Mortgage Calculator
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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.

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Meet the Mortgage Team


Our team of professionals will be by your side through the whole process, guaranteeing a smooth financial transition into your new home. To prequalify for a mortgage, the first step towards homeownership is to determine how much you are qualified to borrow. Please complete this Mortgage Prequalification Form; a PFB team member will contact you within the next business day to discuss.