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Surrey Bank and Trust

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Mortgages

Whether you’re building,  buying, or refinancing, our experienced Mortgage Department can help you find a mortgage with the rate and terms that meet your needs.

Mortgage Products

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The right mortgage for your needs

We offer a variety of conventional mortgage products, including:

  • Fixed-rate mortgages with varying terms
  • Jumbo mortgages
  • USDA 100% purchase loans
  • FHA loans
  • Construction loans
  • Bridge loans
  • Cash-out refinancing

We also offer in-house financing for nonconforming properties.

Pre-qualification with no upfront fees available. 

 Contact us for more information.

Mortgage Application Checklist

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Information you will need to apply for a mortgage

Once you have acknowledged an Intent to Proceed with a mortgage application, you will need to provide us with the following information.

  • W-2 forms for the last two years and a pay stub dated within the last 30 days, or
  • Complete tax returns for the last two years if you are self-employed, if you have investment properties, or if you receive bonus or commission income
  • Complete bank statements for the last two months for all checking and savings accounts and the most recent quarterly statement for all 401k and retirement accounts. Please make sure to include all pages of your statements, even if some are blank. Large deposits not supported by income must be documented.
  • Copies of the contract and HUD Settlement Statement if you are using proceeds from the sale of a home to fund your down payment.
  • Copy of the Offer to Purchase if you are buying a home
  • Copy of your homeowner's insurance policy and tax bills for all properties you own.
  • Copy of the rental agreement for all rental properties you own
  • Name and address of your landlord if you currently rent
  • Copy of your driver's license

Other things to keep in mind

  • Until your mortgage loan has closed, be careful about making credit inquiries or opening new credit accounts. All new inquiries and/or new trade line inquiries must be documented. A credit report is pulled prior to closing. Any new payments must be added to your debt ratio, which could effect the outcome or your loan.
  • USDA loans may take longer to process than conventional loans, due to USDA timelines on file review. Please keep this in mind when entering into an Offer to Purchase agreement and scheduling your closing.
  • Homeowner's insurance is required prior to final loan approval in order to set up your escrow account.

 

National Mortgage Licensing System

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National registry of licensed mortgage loan officers and institutions

As part of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act) of 2008, which
was created to enhance consumer protection in the residential real estate industry, our loan
officers are registered with the National Mortgage Licensing System & Registry (NMLS).

The NMLS assigns a unique identifier number to licensed mortgage professionals. Consumers may visit the NMLS consumer access site and enter the financial institution, lender's name or an NMLS ID number to verify that they are working with a licensed institution and/or loan officer.

  Lender NMLS ID
SURREY BANK & TRUST 477154
Edward Clayton Ashby III 715827
Brian Edward Barnes 889967
David Alan Byrd 902771
Gina B. Bullington 1295833
Tammy Gail Butcher 1427211
Matthew Brian Daye 1114129
Mark D. Dodson 429980
Lesa Carpenter Hensley 709815
William Alan Johnson 946535
Wendy Smith Marion 709841
Jared Blake Moser 709849
Pedro Arturo Pequeno II 715800
Lori Hiatt Poindexter 709892
Abby Sowers Seaver 709902
Deborah McMillian Simmons 709597
Keisha Payne Sowers 1135024
Jessica Hendren 1691671
Elisa Arce Urquiza 709935

Mortgage Resources

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If you're considering buying, building, or refinancing you home, here are some sites you may find useful:


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