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Still not sure which plan is the right for you?

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PERSONAL BANKING

Experience Best-in-Class Service

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Compare Mortgage Loan Solutions

It’s possible to apply for a mortgage without ever consulting with an experienced loan originator. However, doing so can ultimately cost you time and money, and cause potential issues in the long term.

So, talk to one of our seasoned lending professionals. We operate in your best interests, and know the right questions to ask to facilitate the lending process. You’ll also have direct access to local decision-makers – a key benefit that most banks can’t offer. This advantage can lead to faster lending decisions and greater flexibility.

We’ll educate you about your options, and provide peace of mind during a sometimes stressful period. Beyond the paperwork and numbers, we understand it’s all about developing personal trust and relationships.

Additionally, over the years we’ve developed an extensive network of trusted professional contacts, including real estate agents, builders, title company personnel, financial advisers, CPAs, and attorneys. It’s more evidence of our relationship-driven approach to lending.

Pre-Qualification

Getting pre-qualified for your mortgage loan can save you time and money.

It’s a free, simple process that involves providing a lender with information regarding your income, assets, and debts. This allows the lender to give you a better idea about how much you can borrow. Being pre-qualified can enable you to:

  • Understand your financial limits
  • Create a sensible budget
  • Restrict your search to homes you can afford
  • Determine the best type of mortgage loan for your situation
  • Gain an advantage over non-qualified buyers by speeding up the closing process
  • Clearly convey to the seller you’re ready to proceed with the financing

Unlike other lenders, we’ll assess your entire financial situation with a thorough review of your credit history. Doing so can give you a more accurate evaluation of your borrowing potential.

Mortgage Loan Application Checklist

Ready to apply for a loan? Please bring the following to our location.

Required Documents

  • W2 forms from the previous two years
  • Federal tax returns from the previous two years
  • Pay stubs from the most recent 30 days
  • Two most recent financial statements (including all pages in the numbered series for assets such as checking, savings, or investment accounts)

Self-employed borrowers need to provide additional documentation. Please call for details.

Down Payment

Acceptable sources of funds for down payment include:

  • Funds on deposit
  • Equity from the sale of real estate
  • Sale of an asset with proof or ownership, proof of sale, and proof of funds received
  • Gift funds
  • Funds borrowed or withdrawn from a retirement account

Mortgages are originated by Westfield Bank, FSB (NMLS #507706). All loans are subject to credit review and approval.

Finance a home remodeling project, college education, new vehicle, and more with a personal loan featuring low rates and flexible terms.

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Purchase
or Refinance Loans

  1. Competitive fixed rates
  2. Variety of term lengths available
  3. Loan amounts up to $650,000 are offered at conforming rates
  4. Jumbo loans available over $650,000 to $1 million
Enjoy the stability of locking in your rate for the entire term of your loan.

Construction
Loans

  1. Single-close loans
  2. Streamlined builder-approval process
  3. Variety of term lengths available
Turn your dream home into reality with loans up to $650,000 and competitive fixed rates.

Lot
Loans

  1. Balloon loan
  2. Improved or unimproved land
  3. No pre-payment penalties
Pay for your land purchase with a competitive, fixed-rate loan designed for this purpose.

Jumbo
Loans

  1. Competitive fixed rates
  2. Variety of term lengths available
  3. Financing up to $1 million
Build, purchase, or even refinance a home with loan options that exceed conforming limits.
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