Mortgage Loans

Young girl rushes to her Dad as her mom watches from the front porch

Buying a house is a big move!

We’re so excited for you! Buying a home is a big deal, whether you’re getting your very first home, upgrading from your current house, or downsizing.

Big investments like this always come with plenty of (sometimes scary!) decisions to make. We offer several types of mortgage loans, each with their very own benefits, requirements, and rates. It’s important to choose the right mortgage from the start. (Have no fear… that’s why we’re here!)

There are many ways to begin, and no right or wrong way. You may:


Refinancing

Circumstances change. Rates fluctuate. Life is unpredictable. (Sometimes in a good way, and sometimes not so much.) Refinancing can be a powerful way to take control and create a better financial position for yourself and your family. Every situation is unique. Our mortgage loan originators can look at all the moving parts and help you find the best path forward.


Mortgage Checklist

The following information is usually required during the loan process:

  • Your Social Security number
  • Current pay stubs or, if self-employed, your tax returns for the past two years
  • Bank statements for the past two months
  • Investment account statements for the past two months
  • Child support information
  • Bankruptcy information
  • Name and phone number of your insurance agent

If you currently own real estate:

  • Mortgage account information
  • Home insurance policy information
  • Home equity account information (if applicable)

Homeowners insurance

Ask our loan specialists about homeowners insurance! We’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto & Home Insurance Program.


Ready to roll?

Almost everything can be done electronically, so if you’re ready, contact one of our mortgage loan originators or go ahead and apply!

Sharelle Baker has worked in a variety of positions within the mortgage department (and throughout Linn Area) since 2015. She has had the opportunity to work in the processing/underwriting stages of mortgage loans, and that experience gives her a unique…