Whether you're buying a new home, building or remodeling, you can relax knowing that we have the experience and expertise to guide you through the entire process, explain your options and make sure you get the best financing available.
We have more ways to say YES!
Low to no down payment options.
When applying for a home loan, you can speed the application and approval process by bringing along the following information: Current drivers license.Your most current month of pay stubs.W-2 forms for the past two years.If self-employed, two years tax returns with all schedules.Bank statements for the past two months.Statements regarding stocks, bonds, 401(k)s, mutual funds, etc.Homeowners Insurance.
Additional documentation may be required depending on your loan request.
Having your loan pre-approved could give you more buying power when you’re looking for a home. By giving us some general financial information, we can assist you in determining how much you will be able to borrow. You will know what you can afford and being pre-approved may improve your position when negotiating the purchase.
Fixed Rate Mortgage Loans
Don’t worry about a constantly changing market, your interest rate is fixed and your principal and interest payment will remain the same for the life of the loan. Providence Bank offers a variety of fixed rate terms.
Adjustable Rate Mortgage Loans (ARMs)
A popular option for people seeking lower initial interest rates and monthly payments. ARM rates are fixed for a period of time, and then may be subject to change after that.
For larger homes we offer fixed-rate loan amounts in excess of conventional loan limits. Rates and terms are competitive and flexible.
FHA & VA Loans
These loan programs usually feature low down payments and attractive interest rates. FHA and VA loans are available in fixed and adjustable rate options for qualifying borrowers. These programs are perfect for first-time buyers; low-to moderate income buyers; buyers with limited cash; and for those with minor credit problems.
USDA Rural Development Loan
A new home could be within your reach with USDA Rural Development Home Loan. These loans offer no down payment, affordable fixed rates and no private mortgage insurance. The loans also offer flexible credit and qualifying guidelines and are available for new or existing homes. Plus, most counties in Missouri qualify.
You may be able to save money and lower your monthly payments by refinancing your home. We can help you determine when the right time is for you.
We guarantee superior service and competitive rates. Call today!
Loans subject to credit approval.
Home Equity Line of Credit
You’ve put a lot of money into your house...It’s time for it to return the favor. A Providence Bank Home Equity Line of Credit can help you take a vacation, send your kids to college, fund major purchases or consolidate those high interest credit cards.
No matter where you have your home loan, we can help. Plus, we offer quick credit decisions, low closing costs and flexible payment options.
Home Equity Credit Line applications are not available online. Please contact a personal banker at the banking center nearest you to apply.
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PREMIER BANK TEXAS DISCLAIMER: Premier Bank Texas is a branch of Providence Bank (a Missouri Bank). Providence Bank is not affiliated in any way with Providence Bank of Texas, Southlake, Texas.