Your Journey to Homeownership Starts Here
At FVSBank, we know that buying a home is one of the most exciting and significant financial decisions you’ll make. Whether you’re a first-time homebuyer or upgrading to your dream home, our team of mortgage experts is here to guide you every step of the way.
Why Choose FVSBank for Your Home Loan?
Personalized Service: We take the time to understand your unique needs and financial goals.
Competitive Rates & Flexible Terms: We offer a variety of loan options to fit your budget and lifestyle.
Local Decision-Making: Our team is rooted in the community, making loan approvals quick and hassle-free.
Expert Guidance: From pre-approval to closing, our mortgage lenders will help simplify the process.
Home Loan Options
- Fixed-Rate Mortgages: Predictable monthly payments with terms that fit your timeline.
- Adjustable-Rate Mortgages (ARMs): Lower initial rates with flexible options.
- First-Time Homebuyer Programs: Special incentives and low down payment options.
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Construction Loans: Build your dream home with a tailored financing solution.
How to Get Started
- Get Pre-Approved – Knowing your budget helps you shop with confidence.
- Find Your Dream Home – Work with a trusted real estate agent to explore options.
- Apply for a Mortgage – Our online application makes it easy to get started.
- Close & Move In – We’ll guide you through the final steps so you can enjoy your new home!
Connect with a Mortgage Lender Today
We’re ready to help make homeownership a reality for you. Contact one of our local mortgage experts or start your application online today!
Purchasing a Home FAQ
How much do I need for a down payment?
The amount varies based on the loan type. Some programs allow as little as 3% down, while others, like VA loans, may not require a down payment at all.
What credit score do I need to buy a home?
While requirements vary, a score of 660 or higher is generally recommended for most loan types. However, we offer programs for various credit situations.
How long does the mortgage approval process take?
The timeline can vary, but on average, it takes 30 to 45 days from application to closing.
What is included in my monthly mortgage payment?
Your payment typically includes principal, interest, property taxes, and homeowners insurance (PITI). Depending on your loan, mortgage insurance may also be required.
Can I get pre-approved before finding a home?
Yes! Getting pre-approved helps you understand your budget and makes you a stronger buyer when making an offer.