Mortgage Loans

Make Your New Home a Reality

Buying a new home is one of the biggest — and most important — decisions you'll make. Choosing the right mortgage is just as important as finding the perfect home. At Farmers Savings Bank, we're here to take some of the stress out of home buying and help you navigate the process. Whether you're just starting to explore your options or ready to make an offer, our experienced loan officers can help you determine how much you can afford and find a loan that fits your needs. Contact us today or stop by your local branch to get started.
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What to Expect

Every mortgage loan through Farmers Savings Bank begins with the pre-qualification process. During this step, a loan officer is going to help determine how much you can afford based on several factors, including your income, employment history, and current financial obligations. Pre-qualification helps establish a realistic home-buying budget and provides the documentation most realtors require before beginning your home search. To get started, you may be asked to provide information such as:

• Length of employment at your current position
• Gross monthly income
• Your current status as a renter or homeowner
• If you plan to sell your current home before purchasing another
• Monthly debt obligations, including credit cards, vehicle loans, and other payments

It's important to remember that pre-qualification does not mean you have been approved for a loan. Instead, it provides an estimate of the loan amount you may qualify for and helps you better understand your home-buying budget. Ready to take the first step? Contact a loan officer today to start the process or visit a branch near you to speak with us in person.

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