Mortgages
At Vinings Bank, we are proud to offer a variety of home loan options to suit your needs, competitive rates and outstanding, local customer service to ensure you get the best financing options available to you.
We offer:
- Conventional loans with up to 97% financing for home purchases and refinances both with fixed and adjustable rates; loan program has a lender-paid mortgage insurance option
- FHA Loans with a low down payment of 3.5%, and it may be a gift; easy to qualify with less stringent guidelines and no reserves required; competitive rates; no income limits
- Up to 10 financed properties allowed
- One day off the market on refinances; delayed financing (purchase home for cash and get cash back within 6 months); 620 credit score on purchase and rate and term refinance
- Jumbo mortgages up to $2M
- Purchases and refinances for second homes and investment properties
Documents Needed to Process Your Application Quickly:
- Most recent paystub for each wage earner
- W-2’s for the past 2 years
- If self-employed, personal and business tax returns for past two (2) years
- Two months of recent checking and savings statements, 401(k) and retirement statements, if applicable
- Fully executed sales contract
- Copy of cancelled earnest money check
- Copy of your driver’s license and social security card
- Homeowners insurance
CONTACT US TO LEARN MORE
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