Routing #: 031311593

Residential Mortgages

Residential Mortgages

Whether you’re just starting out, moving up to the home of your dreams, or downsizing, Fleetwood Bank understands your unique needs and can find the solution to get you into a home. Fleetwood Bank is proud to be a true community bank, providing you with exceptional customer service, fast approvals, use of local title services, plus in-house underwriting and processing.

 

At Fleetwood Bank, we take the time to listen.  We’ll walk you through the often complicated process, making it simple and easier to understand. Most importantly, we are with you through the entire process – from application, through settlement and after, to answer your questions and provide solutions. 

Residential Mortgage Options

A Conventional Mortgage is a mortgage in which the interest rate does not change during the entire term of the loan (also known as a Fixed-Rate Mortgage). Conventional financing allows you to take advantage of low down payments and flexible terms. With Private Mortgage Insurance, you can finance the home of your dreams with as little as 5% down for approved homebuyers.

Take advantage of the equity in your building lot with our “One Close” construction loan. Fix your conventional mortgage interest rate from application, through construction and permanent financing. No double closings, just a simple no-nonsense approach to financing the home you’ve always wanted to build.

Found that perfect lot to build on, but not ready to build? Our Lot Loan program provides you with the protection of a fixed rate mortgage with reduced closing costs. Finance up to 80% of the land’s value for improved lots and up to 65% for unimproved lots.

Being a landlord isn’t always easy, but financing your rental home can be! Fleetwood Bank provides Investment Property Loans for those interested in buying second homes and investment properties, including one and two-unit residential properties. Investment Property Loans can be used for either purchasing an investment property or refinancing an existing property.

Have you recently found the home of your dreams, but your current residence still hasn’t sold? A Swing Loan may be your answer. A Swing Loan is simply a short term loan secured by your current residence to finance the purchase of a new property.

Looking to refinish a basement, make repairs or add on to your home? Home Improvement Loans can fund small cosmetic projects or large-scale renovations and construction. Because a Home Improvement Loan is a type of mortgage loan, its interest can often be deducted at tax time (consult a tax advisor to determine if this applies to your situation).

FHA, VA and USDA loans available through a brokerage relationship between Fleetwood Bank and Top Flite.

Pre-qualification Program

Pre-qualification allows you to know how much house you can afford based on your credit, income and assets. Pre-qualifying for a home mortgage should be simple and fast. At Fleetwood Bank, your mortgage scenario may be conditionally qualified in as little as 30 minutes!  Need a pre-qualification letter for your realtor?  We can generate a 90 day pre-qualification letter that allows you to start looking for the house/property that is right for you.

Starting December 6, 2022, you will notice a more modern, user-friendly interface for an enhanced account holder experience across our ONLINE and MOBILE BANKING platforms. You will see a NEW LOOK, but still have the SAME GREAT FEATURES, and more! Click here for more information.

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