Leitchfield Deposit Bank offers a wide range of
home loans from short to long term and we have the flexibility and resources to
design a loan for your specific needs. You can count on Leitchfield Deposit Bank
to find the right loan for your financial situation: From FHA and VA fixed rate
programs, to conventional loan plans with terms to fit your budget.
- Pre-Qualification - We'll help you determine
exactly how much home you can afford. With pre-qualification, you'll have
more negotiating power when you find the home of your dreams. It can also
help shorten your closing time.
- Adjustable Rate Loans - Many
first time buyers want a low initial rate that can give them an affordable
monthly payment. A lower monthly payment will also help you qualify for a
larger loan amount. In addition, a low initial rate can save you interest
during the early years when your loan balance is the highest. Finally, you
may choose to get into your first home with an affordable adjustable rate
mortgage, and refinance later with a fixed rate loan.
- Fixed Rate Loans - Many borrowers prefer the
dependability of a fixed payment over the life of their loan. If you think
you will live in your home for over five years, or for the entire life of
your loan, a fixed rate is usually a wise choice.
- Apply Today - For speedier service on the
completion of your loan bring the following items when you meet with one of
our Home Loan Specialists:
- W-2s for the past two years (or complete
tax returns if self-employed)
- Most recent pay stubs covering the last 30
- Your last three months' bank statements
- Names, addresses, account numbers, and
balances of your credit cards and loans
- Most current 401K and Retirement Plan