- About Us
Get a Home Loan that's Better!
Making the commitment to buy a home is a big deal. Homeownership has always been a part of the American Dream and whether you prefer a two-story house in town or a ranch-style home in the country, Better Banks is here to help you make it yours.
Our lenders will take the time to help you select the home loan and terms that best fit your lifestyle and budget. We will help make sure your loan pre-qualification and mortgage application are processed as quickly and easily as possible.
Our lenders will work with you to learn what you want and what you can afford before we make mortgage recommendations. Whether you're purchasing or refinancing, we're certain you'll find our service amazing!
If you'll be purchasing but haven't found the perfect home yet, complete our application and we'll issue pre-qualification for a mortgage loan now with no obligation!
Should I get pre-qualified for a mortgage loan first?
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we'll issue pre-qualification subject to you finding the perfect home. You can use the pre-qualification letter to assure real estate brokers and sellers that you are a qualified buyer. Having a pre-qualification for a mortgage may give more weight to any offer to purchase that you make.
When you find the perfect home, you'll simply call your Loan Officer to complete your application. You'll have an opportunity to lock in our great rates and fees then and we'll complete the processing of your request.
What can I expect when I apply for a mortgage loan?
Completing our online application is as easy as 1-2-3! We'll ask you questions about your personal finances and the home. You'll probably know all the answers off the top of your head.
But if you’re thinking about making a move, the first thing you should do is work with one of our loan officers to establish a home mortgage budget. This will save you time (and heartbreak) as you explore real estate options. Here’s a brief overview of the steps to take:
- Initial conversation
To get started, we’ll want to speak with you about your financial goals then we’ll be able to help you decide which home mortgage product will best fit your budget.
Once you’ve completed this step you can use your loan prequalification approval when making an offer on a home.
- Official mortgage application
Once your home purchase offer is accepted your loan officer will move quickly to complete your home mortgage application so you can reach the closing stage as fast as possible.
What you will need:
- Most recent paystubs reflecting 30 days of employment
- Photo ID
- Two years of W-2s
- Two years personal tax returns with all schedules
- Copies of 2 most recent months of checking and savings account statements
- Copies of most recent investment/retirement account statements
- Home owners insurance declarations page
- Signed purchase agreement
- Proof of down payment
- Closing on your home
Closing is a key final step in the purchasing and financing of a home—it completes your mortgage application and transfers your new home into your possession.
Now it’s time for the fun part, moving into your new home!