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