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Mortgages

Which mortgage product is right for you?

Campbell & Fetter Bank is committed to helping you find the right mortgage product. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Fixed Rate Mortgages | Adjustable Rate Mortgages | Construction Loans
Mortgage FAQs | Online Applications


 

Fixed Rate Mortgages

Conventional Fixed Rate mortgages offer you the security of locking in a low rate for the next 10 to 30 years!

Let us help you get into that home of your dreams or refinance your existing mortgage to save you money!

  • Contact us for available terms
  • Low closing costs
  • Low rates
  • FREE pre-qualifications

Contact your local branch today to discuss all your options!

 

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Adjustable Rate Mortgages

Adjustable Rate Mortgages (ARM's) offer many advantages for a majority of homebuyers.

Do you plan to live in this house for less than 7 years? If you answered "YES!" ... then an ARM may be the plan for you!

Advantages:

  • Initial rate lock periods of 1, 3, 5, or 7 years
  • Lower initial rates
  • Low closing costs
  • Payment based on 20 year amortization
  • No prepayment penalty
  • FREE pre-qualification

Contact your local branch today to discuss all the advantages of our ARM products!

 

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Construction Loans

Campbell & Fetter Bank can help you build the home of your dreams with our hassle-freeConstruction Loan.

Our Construction Loan offers many advantages to you:

  • One set of closing costs
  • Interest only during construction
  • Locally approved
  • Construction draws to contractor done locally
  • One loan officer throughout construction
  • Low rates
  • No surprises

 

Contact your local branch today for complete details!

 

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Mortgage FAQs

What terms do you offer on your mortgages?
Fixed Rate: 10 years to 30 years
Adjustable Rate: 1 yr, 3 yrs, 5 yrs, 7 yrs
(20 yr amortization)
Construction: 6 months

What are the rates?
Due to the daily changing of rates, please call your local branch for current rates.

Is a down payment required?
Not always, we do have programs for minimal down payment. If you have less than 20% down, Private Mortgage Insurance (PMI) is required.

What are the closing costs?
We offer low closing costs on all our loans. Call your local branch for more details.

Do you require my taxes and insurance to be escrowed?
If you have less than 20% down and a term longer than 15 years, you must escrow. If you have at least 20% down, then you may not be required to escrow. However, there may be a rate adjustment if you chose not to escrow. Please contact your local branch for more details.

Can I get "pre-qualified" for free?
Absolutely! We offer FREE pre-qualifications, please call your local branch for complete details.

How do I get started?
It's Simple! Call your local branch to set an appointment to fill out an application. Just be sure to bring the following items with you:

  • 1 month of most recent paystubs for all borrowers
  • Last 2 years W-2's for all borrowers
  • Last 2 years Federal Tax Returns (mandatory for self-employed)
  • Last 2 months bank statements from all bank accounts
  • Most recent 401k and/or investment statements
  • Government issued photo I.D.
  • Account information for all debt payments and credit cards
  • Description of property (if refinancing or have a property in mind)
  • Purchase agreement
  • Any other documents you feel would be of importance

 

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Online Applications

Due to the sensitive nature of personal information included in your online application, please do not e-mail your application to us. The application should be printed and brought to one of our convenient locations.

 

Click here for online application.

Contact Campbell Fetter Bank now.

 

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