Bill Pennings

Mortgage Loan Officer

[email protected]

NMLS# 401967

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  • 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: 


  • 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.


  • 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 


Working with BankVista was a great experience for us. We were first time home buyers and expected it to be a difficult process, but BankVista was very helpful in communicating with us through the process and worked quickly to get our loan ready for closing. The experience that we got working with BankVista is unmatched by larger, corporate companies. It was truly a pleasure to do business with them and we look forward to doing business with them again in the future.

— Guy & Cassandra Magno, Home Owners