FDIC-Insured – Backed by the full faith and credit of the U.S. GovernmentFDIC-Insured – Backed by the full faith and credit of the U.S. GovernmentFirst Responders | Active or Retired Military | Medical Professionals | Educators
Member FDIC | Equal Housing Lender | NMLS#826648
We believe in bringing a much-needed dose of humanity to the mortgage process. We are a small community bank by design, as a result, we’re able to work with greater agility while remaining fully focused on what matters most – YOU!
Conventional
Loan options up to 97% of purchase price. Often, the best refinance solution!
Jumbo
Loan amount options up to $3mil.
Non-QM
Great alternative financing solutions for self-employed borrowers, investment properties and unique property types.
VA
100% financing options available to veterans and active service members.
FHA
Great financing options for first time homebuyers.
USDA
100% financing for eligible areas outside city/suburban limits. Another great first-time homebuyer solution.
Equity Loans
Line of credit options or second mortgage term loans for existing homeowners, great for debt consolidation purposes.
Bridge Financing
Temporary loan solutions (equity transfer), so you can buy your new home immediately, instead of waiting for it to sell.
Commercial
Business purposes loans for entrepreneurs or potential secondary sources of income.
Income & Employment
Although not required for some of our alternative home loans, these documents verify your income and employment status.
Credit Report
With your green light, we’ll run your credit report to help determine eligibility.
Bank Statements
In most cases, two months of bank statements will be required, along with verification of any gift funds.
Insurance
We’ll need your insurance carrier’s contact information, plus proof of homeowner’s insurance and other policies if necessary.
Andy has served in the residential lending and mortgage banking environment since late 1997, where he began his career with Norwest Financial as a college intern.
As a mortgage banking professional, Andy has enjoyed senior management roles with Ace Mortgage Funding, First Community Mortgage, Bank of England Mortgage, GHMC, Novus Home Mortgage, and Local Bank.
Andy Voyles
President, Local Bank Mortgage Division
