Photo of Lori Moyer, JBT Mortgage Originator

House Mortgages – Jonestown Financial institution & Belief Co.

House Mortgages

Whether or not shopping for your first dwelling or upgrading from a present one, JBT is prepared that can assist you make it occur with a mortgage that matches you completely. We’re an area financial institution, so you may have the choice of getting us handle your mortgage proper right here the place you may reside. Which means when you ever have any questions in your mortgage, you will get the solutions proper from individuals you realize at JBT. Have a look at what a JBT House Mortgage can do for you:

  • FREE mortgage pre-qualification — make your finest provide with confidence! 
  • Native dwelling loan servicing
  • JBT attends settlement with you

Our aim is to offer the very best degree of service at aggressive charges. You may apply in your mortgage on-line,  study extra in regards to the mortgage pre-qualification course of, or use considered one of our mortgage calculators. With JBT’s native benefit, you can too join immediately with considered one of our JBT Mortgage Originators. For those who ever have any questions in your mortgage, one native name can join you to quick, reliable solutions. 

Your Native Contacts

Lori Moyer
NMLSR#1024958
717-228-8224
[email protected] institution
(By no means ship confidential private data by way of e-mail)

 

Cindy Rauch
NMLSR#539234
717-304-1085
[email protected] institution
(By no means ship confidential private data by way of e-mail)

 

As Mortgage Originator with JBT, I perceive the homebuying, homebuilding, and financing course of. I look ahead to guiding you thru every step of the mortgage software and approval course of – from our preliminary assembly to the settlement desk. My staff and I’ll work to maintain your expertise as streamlined as potential and be there to reply any questions. I personally invite you to Financial institution on a Smile® with our skilled mortgage staff.
 

Photo of Cindy Rauch, JBT Mortgage Originator
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Whether or not you are a repeat purchaser, first-time purchaser, or seeking to refinance for decrease month-to-month funds, the HomeReady® Mortgage program may also help with a downpayment as little as 3%1, cancellable mortgage insurance coverage2, expanded alternatives, and on-line schooling instruments. 

 

  Fastened-Charge Loans 

Many homebuyers desire to lock in a ‘constant’ rate of interest for the lifetime of the loan. Planning budgets could be simpler when you realize what your mortgage fee will likely be each month. With versatile phrases as much as 30 years, it may be a fantastic alternative when you plan to remain in your house for various years. 

 Get up to $5,000. More information.

  Adjustable-Charge Mortgage (ARM)

For those who anticipate private revenue to extend reliably sooner or later, or plan on being in your house solely a brief interval, chances are you’ll wish to contemplate an ARM.  An ARM’s variable price might provide a decrease rate of interest to begin, after which regulate periodically (up or down) inside pre-determined limits. 

 

  Development Mortgage

Having an area mortgage lender actually helps while you want additional flexibility in planning and constructing your dream dwelling. The skilled JBT mortgage specialists may also help synchronize all of your financing wants so you’ll be able to give attention to extra vital choices – like the most recent bathe tile decisions or kitchen cabinetry choices. We’ll be completely happy to customise an entire financing plan to suit your wants.

 

  Customized Financing Options

As an area financial institution, JBT could be extra versatile when customizing a financing resolution for uncommon conditions. It doesn’t matter what you’d like to realize, simply ask us about it. We’ll do what we will to design a personalized mortgage resolution that matches you and your loved ones completely.
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Federal Mortgage Packages

GOVERNMENT-SPONSORED LOANS MAY HELP QUALIFIED HOME-BUYERS GET INTO A NEW HOME MORE AFFORDABLY. JBT CAN GUIDE YOU WITH THESE SMART OPTIONS.

 FHA Mortgage

A HELPFUL OPTION FOR 1ST-TIME HOME BUYERS
The Federal Housing Administration (FHA) provides mortgage loans that may provide help to purchase your first dwelling. With low down fee 3 necessities and versatile underwriting tips, chances are you’ll discover an FHA mortgage useful when you have got restricted funds or little credit score historical past. JBT may also help you perceive the necessities concerned and reap the benefits of the FHA Mortgage options which will profit you most.

 

 USDA Mortgage

DESIGNED FOR BUYERS IN RURAL COMMUNITIES
The Unites States Division of Agriculture (USDA) provides a loan program that may assist consumers qualify for a mortgage with as much as 100% financing.As a assured loan with much less emphasis on credit score scoring, the constant rate of interest supplied to you is aggressive with conventional loans. There are extra options and advantages as nicely. JBT may also help you reap the benefits of the USDA Mortgage options that would provide help to most.

 

 VA House Mortgage

FOR ACTIVE SERVICE MEMBERS, VETERANS & SELECT SPOUSES
Assured by the Division of Veterans Affairs (VA), the VA House Mortgage program provides eligible active-duty service members, veterans, and choose spouses an reasonably priced path to homeownership. Mortgage options embody extra versatile qualification tips and as much as 100% financing. JBT may also help you reap the benefits of the VA House Mortgage options which will profit you most. It is a great program that helps give again to those that have given a lot for our nation
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1- 97% LTV can use any fixed-related time period (10-, 15-, 20-, 30-year).
2- Restrictions Apply
3- Could require non-public mortgage insurance coverage.

No warranty of loan approval is implied. This isn’t a proposal to enter into settlement or dedication to lend. All merchandise are topic to credit score and property approval. Phrases, charges and applications are topic to vary with out discover.

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HomeReady® Mortgage © 2018 Fannie Mae