Which mortgage product is right for you?

Campbell & Fetter Bank is committed to helping you find the right mortgage product. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound financial choices.

Fixed Rate Mortgages | Adjustable Rate Mortgages | Government Mortgage Loans
| Construction Loans | Mortgage FAQs | Online Applications

Fixed Rate Mortgages

We offer conventional fixed rate mortgages that give you the security of locking in a low fixed rate from 5 to 30 years.

Let us help you get into the home of your dreams or refinance your existing mortgage to save you time and money!

1. Your loan can stay here and be serviced by us for the life of your loan
2. Competitive rates and closing costs
3. Borrow up to 95% of your home's value
4. Deal with the same lender from application to closing
5. Flexible, common sense decision making
6. Terms can be customized to meet your specific needs
7. FREE pre-qualifications

Contact your local office today to discuss your options and obtain a rate quote

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Adjustable Rate Mortgages

A 30 year fixed rate mortgage is not always the best choice!  According to the National Association of Homebuilders, the average homeowner lives in their home 13 years before selling.  In addition, the typical homeowner refinances their mortgage several times over the length of time they own their home.  This is why an Adjustable Rate Mortgage (ARM) is an appropriate choice for the majority of homeowners.

An adjustable rate mortgage (ARM) with the Campbell & Fetter Bank is not your typical ARM.  We offer ARM's with initial fixed rate periods from 1 to 5 years, based on amortizations from 20 to 30 years.  Our ARM's offer the fixed rate protection that most homeowner's want with all the advantages and flexibility of an adjustable rate mortgage.

Advantages:

1. You can match the ARM initial fixed rate period with your desired time frame and monthly payment for the best rate possible.  The shorter the initial fixed rate period and/or the shorter the amortizing term, the lower the interest rate we offer
2. Your loan stays with us, it is never sold to another lender
3. Competitive interest rates and closing costs
4. Deal with the same lender from application to closing
5. Flexible, common sense decision making
6. Terms can be customized to meet your specific needs
7. No prepayment penalty
8. FREE pre-qualifications

Contact your local office today to discuss your options and obtain a rate quote

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Government Mortgage Loans

We offer USDA*, VA*, and FHA fixed rate mortgage loans that offer you the security of locking in a low fixed rate for 15 or 30 years.

Government loans offer lower down payments and more flexible qualifying criteria than conventional mortgage loans.  Although well suited to many first time home buyers, government loans are not limited to first time buyers.

1. No down payment for qualified USDA* and VA* buyers, 3.50% down for qualified FHA buyers
2. Competitive interest rates and closing costs
3. Escrows for taxes and insurance are required
4. FREE pre-qualifications

Although we will assist you and be your lender from the application to the closing, your loan will not close in the name of Campbell & Fetter Bank and payments will be made to different lender for the life of your loan.

Contact your local office today to discuss your options and obtain a rate quote

* -USDA and VA loans have other specific eligibility requirements, in addition to credit qualifications

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Construction Loans

Campbell & Fetter Bank can help you build the home of your dreams with our hassle free construction loans.  Our construction loan is a separate temporary loan that is combined with any of our permanent conventional mortgage loan options.  This 2 step process gives you the opportunity to re-adjust your loan amount prior to converting to your permanent financing.

Our construction loans offers many advantages to you:

1. Interest only payments during the construction phase
2. Although there are 2 closings, we charge only one set of closing costs
3. Six months to get the construction phase completed, longer terms available as needed
4. Deal with the same lender from the construction loan application to the permanent loan closing
5. Prompt handling of your builder's construction draw requests keeps the deal moving
6. Competitive rates and closing costs

Contact your local office today to discuss your options and obtain a rate quote

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Mortgage FAQs

What terms do you offer on your mortgages?
Fixed Rate: Loans terms 5 years to 30 years
Adjustable Rate: Loans terms from 5 years to 30 years with an initial fixed rate period from 1 to 10 years.
Construction: 6 months

What are the rates?
Please contact your local office for current rates

Is a down payment required?
For purchases, the minimum down payment for a conventional loan is 5%.  For government loans, USDA and VA loans require no down payment and FHA loans require a 3.50% down payment.  Whenever the down payment (or equity for refinances) is less than 20%, private mortgage insurance (PMI), also referred to as mortgage insurance premium (MIP) for government loans, is required.

What are the closing costs?
Our closing costs are very competitive and cover the origination charges, appraisal, credit report, flood determination, title work, recording fees, etc.  Because costs can vary depending upon the type of mortgage and whether the transaction is a purchase or a refinance, please contact your local office for specific closing cost information.

Do you require my property taxes and insurance to be escrowed?
In general, we do not require escrow accounts to pay property taxes and homeowners's insurance for any of our loans, except for the following:

1. All government loans
2. Fixed rate mortgages greater than 15 years with a down payment (or equity in the case of refinance) of less than 20%.

Please contact your local office for more details

Can I get "pre-qualified" for free?
Absolutely! We offer FREE pre-qualifications to all mortgage loan applicants.  If you authorize us, we will also provide a pre-qualification letter direct to your realtor.  Please contact your local office for more details.

How do I get started?
There are several ways to get started.  You can call your local office and either apply over the phone or set an appointment to apply in person.  If you prefer, you can download an application from our website and fill it out yourself or ask us to email you the blank forms.  For security reasons, we do NOT recommend that you email a completed application to us, unless we assist you with our encrypted email service.  Of course, you can always fax it to any of our offices or bring it with you to your appointment.

In addition to an application, the following standard information would also be required:

• 1 month of the most recent paystubs for all borrowers
• Last 2 years of W-2's for all borrowers
• Last 2 months bank statements from all bank accounts
• Most recent 401k, IRA, or other investment account
• Government issued photo I.D.
• Purchase agreement, if applicable

If you are self-employed, we would also need the following:

• Last 2 years personal federal tax return
• Last 2 years corporate or LLC tax returns, if applicable
• Year-to-date income statement and balance sheet

Not all of these documents are required to obtain a pre-qualification.  Please contact your local office for a complete list of the required documents for your specific situation.

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Online Applications

The application provided below is a PDF document for you to fill out and print at your home or office.  Due to the sensitive nature of the personal information contained in a mortgage loan application, please do not email your application to us unless we assist you with our secure, encrypted email service.  Of course you can also fax us your application or bring it to one of our lending offices.

Please contact your local lending office to arrange for encrypted email, set an appointment, or to obtain the fax number.

Click here for online application.

Contact Campbell Fetter Bank now.

Click here for list of fax numbers.

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