Sweet summertime is one of the most popular times to buy a house. Choosing which home to purchase is one of the most important decisions you’ll ever make. If you’re looking for more information, check out our blog about home buying.
Two Rivers Bank & Trust is alongside you for every milestone, including buying a house! Julie Brown, Retail Loan Officer at Two Rivers, explained the flexibility of your options with us. “We have a variety of loan options available at Two Rivers,” she said.
“Instead of only offering a cookie-cutter, one-size-fits-all mortgage product we will take the time to sit down with you as your trusted financial partner and talk through your individual situation. By discussing your individual situation, talking about monthly payments you are comfortable with, as well as how much you have available for a down payment, we are able to figure out what loan product will best work for you with your current or future home.”
If you think you’ve found your dream house or you’re ready to start looking, come see us! “As far as home mortgage products we offer in-house Adjustable Rate Mortgages, secondary market conventional loans, VA loans, FHA loans, USDA loans and Jumbo loans,” Brown explained.
While these options might seem overwhelming, let one of our loan professionals help you through the home financing process.
“The best advice I can give a first-time home buyer is to educate yourself,” Brown said. “Buying a home is an exciting and emotional experience, it is easy to look at a home for sale and see the listing price but have no idea what the monthly payment will be. By coming to Two Rivers to be pre-qualified to purchase a home you can then look at a listing and know roughly what your monthly payment will be on that property.”
Another benefit of being pre-qualified is the added negotiating power you can offer a seller, making them comfortable with your financial ability to purchase their property.
Don’t forget, if you have a mortgage with another institution, we can help you refinance.
“If you are considering refinancing your home we can sit down with you and review your individual situation, your current mortgage amount, your current interest rate and remaining loan term,” Brown explained. “By doing this, we can determine if there is an opportunity to lower your monthly payment or to shorten your loan term.”
At Two Rivers, we are willing to take the time, as your trusted financial partner, to look at your current or future mortgage needs to make sure you are utilizing the best loan product for you. Come see us!
Two Rivers Bank & Trust – Member FDIC, Equal Housing Lender