Home Mortgage Loans
A home financing decision starts with understanding what’s important to you. At Loyal Trust Bank, we’ll help you explore mortgage options that align with your goals and budget, whether you’re purchasing a new home or refinancing your existing mortgage. Connect with a mortgage professional to find the financing solution that’s right for you.
Start With the Home—and the Payment—You Can Manage
Fixed-Rate Programs · Adjustable-Rate Programs · Personalized Guidance
Mortgage rates, program availability, costs and eligibility can change. Discuss current options with a mortgage professional before making a financing decision.
PAYMENT CONSISTENCY
Fixed-Rate Programs
Purchase
RATE MAY CHANGE
Adjustable-Rate Programs
- Refinance Loan Program
- Rate and term
- Cash out
PERSONAL GUIDANCE
Compare the Full Picture
Review the rate structure, payment, estimated cash to close, loan term and how long you expect to keep the home.
Please note: All mortgage loans are subject to application, credit review, property review, underwriting, approval and applicable terms. Equal Housing Lender.
PREPARE BEFORE YOU APPLY
Build a Clearer Picture of Your Home Budget
A mortgage conversation considers more than a purchase price. Income, debts, savings, credit, down payment and estimated housing costs all help shape the discussion.
Estimate a Comfortable Budget
Consider the monthly payment and the broader costs of homeownership, including taxes, insurance and maintenance.
Organize Financial Information
Gather income, employment, asset, debt and identification records that may be requested during the application process.
Compare Programs and Apply
Review current fixed- and adjustable-rate options with a mortgage professional before choosing how to proceed.
What to Bring Into the Mortgage Conversation
Exact requirements vary by program and borrower. These categories can help you prepare for an initial discussion with a mortgage professional.
Home Financing Goal
Clarify whether you are preparing to purchase a home or discussing another eligible mortgage need.
Income & Employment
Organize recent income and employment information for each person expected to apply.
Assets & Savings
Review funds available for a down payment, closing costs and post-closing reserves.
Debts & Obligations
List current housing expenses, loans, credit cards and other recurring financial obligations.
Property Information
Gather available property, purchase agreement or estimated price information when applicable.
Questions & Timeline
Write down questions about rates, payments, costs, documents, timing and the next step.
Homebuying resources: CFPB Owning a Home · HUD Buying a Home · Contact Loyal Trust Bank
Keep Everyday Banking Connected to Your Next Chapter
Explore Loyal Trust Bank personal checking and savings accounts for the everyday financial life surrounding your home goals.
Personal checking · Personal savings · Mobile banking
Explore Personal Banking
Compare everyday account options and digital tools, then connect with our team when you are ready to begin.