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Meet
our Mortgage Team or Apply Online Now
Wilson Bank and
Trust Mortgage Department Presents....
When you meet with one of our mortgage professionals, they will give you
an answer to your loan request on the spot. Just bring the required documents
and we'll do the rest!
Items needed for an Instant Answer loan application:
- W-2 forms for the
past two years
- Pay stubs for the
last full month
- Bank statements
for the last two months
- Fees for credit
report and appraisal
- Tax returns if
self-employed or commissioned
Mortgage Loans
(Owner Occupied and Investment Properties)
- Fixed rate Loans
- Various adjustable
rate programs
- Conventional Loans
- FHA Loans
- THDA Loans
- VA Loans
- Community Home
Buyer Loan
- Instant Answer
- On-site underwriters
for quicker approval
- Buying a "fixer-upper"
or remodeling your present home
- Ability to close
within seven days on certain type loans
- Rural Housing
- Construction- Perm
Loan
- Types
available
Wilson Bank &
Trust has become the #1 lender of home loans in surrounding areas by offering
personal quality service. We are committed to assisting you with your
real estate purchase, whether it is your first home or your third piece
of investment property. Working with you to make it happen, removing the
hassles, and insuring your new purchase is a pleasurable experience is
our primary goal. Mortgages are available for Davidson, Rutherford, Sumner,
Trousdale, Smith and DeKalb counties.
The mortgage team at Wilson Bank and Trust prides itself on tailoring
financing to fit your needs. Please call us for a free pre-qualification
or apply on line!
Types of Mortgages
available:
- Adjustable Rate
Mortgages (ARM)
Wilson Bank and Trust offers several adjustable rate mortgage programs
On an adjustable rate mortgage, the interest rate will change periodically
based upon a predetermined schedule. Normally there are caps to protect
the borrower. Adjustable rate mortgages may carry a lower initial rate
than a long term fixed rate mortgage.
- Conventional
Fixed Rate Mortgage
Fixed rate mortgages fully amortize over a predetermined period of time.
Fixed rate mortgages are available for the purchase or refinancing of
a home.
- Federal Housing
Administration (FHA) Insured Loans
The Department of Housing and Urban Development makes loans available
for the purchase and refinancing of homes through the Federal Housing
Administration (FHA) and lenders like Wilson Bank and Trust. Loans are
available with a very low down payment provided the borrower qualifies.
- Veterans Administration
Guaranteed Loans (VA)
Eligible veterans can obtain financing to purchase with no down payment.
Refinancing is also available on VA loans.
- Farmers Home
Administration (Rural Housing Development Authority)
The Rural Housing Development Authority makes loans available to low
to moderate-income borrowers. No down payment is required.
- Tennessee Housing
Development Authority (THDA)
THDA offers below market interest rates to qualified applicant. Maximum
household income and maximum sales price limitations vary from county
to county. THDA loans are made in conjuntion with FHA, FmHA, VA or conventional
financing. Unless the property is located in a targeted area, the applicant
may not have owned a home in the prior three years.
For
more information email lagee@wilsonbank.com
All loans subject
to normal credit approval. Insurance may be required.
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