Mortgage Lending
At Summit Bank & Trust, we know that owning a home can be one of your largest investments. We strive to make the financing of your home an enjoyable experience by working to find the financing options that best suit your needs at the lowest possible interest rate available. Furthermore, we offer lower fees and faster turnaround times than most of our competitors, free mortgage consultations and no application fees.
Interest rates are currently at their lowest levels since 1950, with rates hovering between the mid 3's and low 4's on fixed-rate mortgages*. Refinancing into a rate this low can mean incredible savings for existing homeowners over the life of their loan and in monthly mortgage payments. Prospective homebuyers will also realize incredible savings from the lowest borrowing rates in over half a century, in addition to the great values available for homes on the market today.
We want to talk to you about personalized options for a great new money-saving mortgage. And for a limited time, we'll give you a $35 Target GiftCard®, just for letting us show you some options. It's our way of thanking you for the opportunity to save you money and earn your business.
Call today to speak with one of our knowledgeable, friendly mortgage advisors for more information.
| Broomfield Dean J. Benallo 303.460.4709 dbenallo@summitbt.com NMLS ID: 636429 Cheri Houser 303.460.4719 chouser@summitbt.com NMLS ID: 543158 Richard Parus 303.460.4723 rparus@summitbt.com NMLS ID: 492613 |
Erie Juliana Harrison 303.460.4737 jharrison@summitbt.com NMLS ID: 492647 |
Larkridge Lisa Sinner 303.439.4809 lsinner@summitbt.com NMLS ID: 492628 |
* Interest rates fluctuate with market conditions and are subject to change at any time. All loans subject to approval. The Bullseye Design, Target and Target GiftCard® are registered trademarks of Target Brands, Inc. All rights reserved. Terms and conditions are applied to GiftCards. Target is not a participating partner in or sponsor of this offer.
FHA, VA, Conventional, and specialty Mortgage programs
- Low down payment options
- Jumbo mortgage programs
- High loan-to-value refinance programs
- Fannie Mae HomePath® Financing
- Home equity lines of credit
- Fixed rate mortgages
- Adjustable rate mortgages
Construction and Lot Loans
- Low rates
- Flexible Terms
- Multiple advance allowing interest to accrue only on the amount advanced
Whether you are buying, building, relocating, or refinancing, we've got a home mortgage loan to meet your needs.
- Investment Property Loan
- Relocation Loans
- Vacation and Second Home Loans
- City, State and Federal Grants and Loans
- Privately Insured Loans
- Jumbo Loans
- Equity Loans
- Condominium Loans
- Manufactured Home Loans
- Bridge Loans
Documents to bring to your Loan Application
Purchase:
- Copy of your purchase agreement signed by all parties
- Copy of the earnest money check you gave to your realtor
- Most recent two years' W-2 forms
- Original pay stubs for the most recent 30 day period showing YTD earnings
- If self-employed or receive commission, personal tax returns for 2 years with all schedules
- Most recent three month's bank statements (and brokerage, investment statements, etc., if these funds will be used for down payment)
- Proof of other sources of income as necessary (pension, social security, etc.)
- Residence history for the past two years including name, address and phone number for landlord(s) if renting
Refinance:
- Current mortgage statements or amount owed on your existing mortgage(s)
- Most recent two years' W-2 forms
- Original pay stubs for the most recent 30 day period showing YTD earnings
- If self-employed or receive commission, personal tax returns for 2 years with all schedules
- Proof of other sources of income as necessary (pension, social security, etc.)
- Residence history for the past two years
