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Mortgage

Purchasing a home?     
               Building a home?         
                         Looking to lower your payment or interest rate?
 
 
Our mortgage lenders will help you get the loan you need for the purchase, construction or refinance of a primary residence or vacation home in the Southeastern Wisconsin area.

 
Tri City National Bank’s experienced mortgage lenders can guide you through
the mortgage loan process.  At Tri City National Bank, you’ll see the benefit of our Local approach to lending. 

  • Local Approval – decision makers are located here in Southeastern Wisconsin.
  • Local Servicing – call your local lender with questions.
  • Local Processing – your loan documents stay here; they aren’t
    shipped to another State.
 
Tri City offers mortgage products such as:
  • Fixed rate loans through Federal Home Loan Mortgage Corporation
  • Construction Loans
  • Assisted financing with WHEDA
    (Wisconsin Housing Economic Development Association)
 
                                                  

The Loan Process
  1. Get Organized
  2. Get Qualified
  3. Shop Programs and Rates
  4. Apply
  5. Obtain loan approval
  6. Close

1. Get Organized

  1. Gather W-2 forms for the last two years and pay stub(s) for the most recent 30-days for each applicant. Continue to save your pay stubs until you close the loan.  If you are self-employed, have 2 years of business and personal tax returns available.
  2. If you have rental property, have a copy of current lease and copies of the last two years’ signed federal income tax returns.
  3. Collect bank statements for the past two months for all checking and savings accounts (all pages). Continue to save your bank statements until you close your loan.
  4. Have your Purchase contract available, signed by all buyers and sellers (for purchase transactions only)
  5. If you are currently renting or have rented in the past 12 months, have the name, address, and phone number of your landlord(s). 
  6. Gather recent investment, 401K and IRA statements.
  7. For a Mortgage Refinance: Provide copies of loan statements or account numbers and lender phone numbers for all mortgage loans to be refinanced.
 
     MISCELLANEOUS ITEMS:
  1. Provide name, address and phone number for your homeowner’s insurance agent.
  2. If you have closed on your present home, keep  a copy of your signed HUD-1 Settlement Statement showing the amount of proceeds (if the sale is not yet complete, please have a copy of the Purchase Offer available).
  3. A copy of the settlement agreement and divorce decree (if applicable).
  4. A copy of bankruptcy papers (if applicable).
  5. Proof of receipt of child support payments for the last 12 months (if you are using this income to qualify for your mortgage loan).
  6. Condo Owners: Please provide a copy of the condo by-laws and homeowner’s association insurance information.
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2. Get Qualified
 

If you are purchasing a home, getting “pre-qualified” can help you understand how much you can borrow.  Getting prequalified will help you:
  • Find out the maximum house you can buy, so you don’t spend time looking at properties you cannot afford.
  • Puts you in a strong position when you are negotiating with a seller because the seller knows you are pre-qualified.
  • Get pre-qualified today.


3. Shop Loan Programs and Rates
 

When you shop for loans, it helps to understand what type of loan you are looking for.  If you aren’t sure, our mortgage lenders can help you compare the benefits of loan products.
 

4. Apply


Apply online today.  Once we have received your loan application, we will begin the loan process.  We will verify your credit history, employment history, assets, including bank accounts and other investments and your property value.  Depending on your specific loan transaction, additional documents may be needed.  To improve the speed of the approval process:
  1. Respond promptly to requests for additional documents.
  2. Do not make any major purchases, such as a car, furniture, etc. until your loan is closed.  Purchases that increase the amount of debt you owe could have a negative effect on your application.
  3. Do not move money into your bank accounts unless it can be traced.  The bank needs to verify your assets in these accounts.
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5. Get Approved

Once you have been approved for your loan, the bank will order specific documents, such as an appraisal and title work before loan closing.  During this time, there are a few things you can do to make the process move quickly:
 
  1. Do not make any major purchases, such as a car, furniture, etc. until your loan is closed.  Purchases that increase the amount of debt you owe could have a negative effect on your application.
  2. Do not move money into your bank accounts unless it can be traced.  The bank needs to verify your assets in these accounts.

6. Close Your Loan

You will be required to sign loan documents to close your loan with the bank. 
  1. Bring a cashier’s check for the down payment and/or closing costs if needed.
  2. Review the final loan documents.  This is your contract and commitment to repay the bank.  Make sure the terms match what you were promised. 
  • Verify the name and address is accurate.
  • Sign the loan documents.

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