Waypoint Bank makes it a priority to offer a wide range of financial options to make home ownership attainable. We understand that buying a home can be stressful and confusing, so we strive to help you every step of the way when it comes to obtaining a home loan. Waypoint Bank’s Vice President, Sheri Hladky, answers a few questions to share information about why Waypoint Bank is your solid choice for a home loan.
1. Why should a customer think about Waypoint Bank for their mortgage needs?
Waypoint Bank has a number of available loan options for different needs and financial situations, including Rural Development, FHA (Federal Housing Administration), VA (Veteran Affairs), and conventional. We also have FHLB (Federal Home Loan Bank) grant options available to qualified borrowers.
2. What should be in place before visiting with Waypoint Bank to discuss a mortgage?
We can pre-qualify customers with an application, two years of tax returns with W-2’s, one month of income documentation such as a pay stub, and two months of bank statements.
3. Interest rates are higher now – can you explain how when a person finds the home of their dreams, they can purchase it now and then take advantage of refinance opportunities during the life of the loan?
Waypoint Bank offers competitive rates and terms. When a homeowner is able to lower their rate by 1.00% it is typically a good idea to do so depending on the length of time they plan to stay in the home. We offer refinance loans that can help lower monthly payments and save money on interest over the course of the loan.
4. What would you like to share about utilizing Waypoint Bank for mortgages?
We are committed to ensuring that customers have a smooth and easy transaction, with personal customer service. Customers can sit down face to face with their branch’s lender to get real answers when they need them. And we’re just a phone call away to answer questions and truly happy to help.
Our experienced team can explain all the options and help you choose a loan that’s right for you. Visit your local Nebraska Waypoint Bank branch to get started.
Since 1883, Waypoint Bank has been providing superior financial solutions that promote the small-town approach of putting relationships first. For 140 years, we’ve been earning your trust in the most friendly and professional manner possible while guiding your success.