FDIC-Insured – Backed by the full faith and credit of the U.S. Government
*$500 lender credit available for eligible Local Bank customers on qualifying second home and investment property mortgage loans. Apply 8/1/26–10/31/26. Credit applied toward allowable closing costs. Subject to credit approval. Restrictions apply. Member FDIC | Equal Housing Lender | NMLS #826648. See full details & disclosure below.
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
*$500 lender credit available for eligible Local Bank customers applying for a mortgage with Local Bank to purchase or refinance a qualifying second home or investment property. Borrowers must have an existing Local Bank relationship to qualify for this promotion. Submit a completed application between August 1, 2026 and October 31, 2026. Loan must close within 60 calendar days of application to receive the lender credit; exceptions may
apply for processing, underwriting, third-party delays, or other circumstances outside the borrower’s control. Lender credit is applied at closing, may be used toward allowable closing costs, cannot be used toward the down payment, and cannot exceed the borrower’s total closing costs. Offer valid only on qualifying second home and investment property mortgage loans and may not be combined with certain Down Payment Assistance programs or other promotional offers. Deposit account opening is optional and not required for mortgage approval, pricing, or terms.
Offer not available in all markets, including Florida and Daphne. All loans are subject to credit approval, income verification, property approval, and underwriting guidelines. Promotion is subject to change or discontinuation without notice. Member FDIC | Equal Housing Lender | NMLS #826648.
