Planters Bank

Savings

Home Buying Process

Mortgages Made Easy

Purchasing a home can be one of the most satisfying and exciting experiences of a lifetime. Whether you’re a first-time home buyer, moving up to a larger home, looking for a smaller nest or refinancing your current residence, Planters Bank is here to help you every step of the way.

Our team of experienced Mortgage Services professionals will take the time to lead you through the home financing process. From the day you apply for your loan, to the moment you are holding the keys to your new home, here are the steps you can expect:

STEP 1 – Meet with One of our Lenders to Prequalify for your Loan

Set an appointment with a Planters Bank Mortgage Loan Officer at a time that is convenient for you. We can answer all your questions before beginning the application process and help you determine your price range before you begin shopping.

Angie Smith Amy Orton Brandi Alexander

Angie Smith
NMLS# 490920
931.648.7176 (o)
931.216.6592 (c)
Email
Electronic mail is not secure and confidential. Please do not submit personal information via email.


Application Options
Mobile App
Online
In-Person (PDF)

Amy Orton
NMLS# 771153
931.648.7173 (o)
931.472.9777 (c)
Email
Electronic mail is not secure and confidential. Please do not submit personal information via email.


Application Options
Mobile App
Online
In-Person (PDF)

Brandi Alexander
NMLS# 1492088
270.881.1714 (o)
270.484.4917 (c)
Email
Electronic mail is not secure and confidential. Please do not submit personal information via email.

 


Application Options
Mobile App
Online
In-Person (PDF)

Be sure to bring the following documents to your initial consultation:

STEP 2 – Go House Hunting

Once you know how much house you can afford, go house hunting! Knowing a realistic price range before you begin seriously searching for a home lets you:

When you find a house you love, be sure to inquire about the costs that you might experience in addition to your mortgage. These include:

STEP 3 – Apply for your Loan

Once you have found a home in your prequalification price range, you can apply for your home loan. Your Planters Bank Mortgage Loan Officer will help you apply for the right type of loan and will explain your financing options and special programs available to you such as VA or FHA.

You will also need to complete a loan application which consists of additional financial, employment and personal information. With a completed loan application, your Planters Bank Mortgage Loan Officer can usually provide your loan approval status within 24 hours.

Your Planters Bank Mortgage Loan Officer will also make sure you fully understand your closing costs prior to your loan closing so you can plan expenses … and avoid last-minute surprises. Closing costs vary depending on financing options, but generally include:

STEP 4 – Your Loan Closing

The final step in the loan process is the Loan Closing. This meeting may take place at the bank or an attorney’s office. This is what you can expect to transpire: