{beginAccordion}
Details
- Competitively low rates for home purchase, refinance, or construction
- Available for primary residence, second homes, vacation homes, or investment properties
- A wide range of terms customized to your unique situation
- Several financing programs available:
- Fixed rate mortgages
- Adjustable rate mortgages (ARMs)
- USDA Rural Housing Loans
- FHA Loans
- VA Loans
- First Time Homebuyer specials
- Construction Loans
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-approval for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Affordable payment plans
- In-house processing for expediency and efficiency
- Attentive, friendly service from start to finish
Mortgage Checklist
The following information is usually required during the loan process:
Income
- Paystubs (last 30 days)
- W2's and 1099's (past two years)
- Personal tax returns (past two years)
- Business tax returns (past two years, if applicable)
- Other income - award letters, annuity statements, etc.
Assets
- Bank statements (most recent two months)
- Retirement accounts or other sources of funds (most recent)
Other Documentation
- Bankruptcy documents - all schedules
- Divorce decree
- Child support orders
Testimonials
In addition to price, we decided on BankVista for two reasons. The first reason was Tom. Not only did he guide us through the process with efficiency and patience, but Tom was one of the nicest, most courteous people you could meet. We always felt that Tom was looking out for our best interests. The other reason we chose BankVista was because it is a local, community bank. All of Bank Vista's efforts are in support of communities in Central Minnesota. We really believe in supporting local businesses when we can. Our initial experience was very positive. Tom was always nice and helpful, answering all of our questions clearly. We had such a good experience and liked the people at the bank that when we decided to refinance in June 2010 we didn't even look at other banks — we came straight to BankVista. Again, we we're very pleased by the results of the refinancing process. Even though we switched from a guaranteed VA loan to a traditional loan, Tom guided us through the process with ease, giving us all the options as we went along.
— Steve Welch & Yunqing Wang
{endAccordion}