Mortgage Loans
Whether you are shopping for your dream home, wanting to build, or looking to refinance, Impact has the right home loan option to fit your needs. Explore our options:
Purchase
Buying your first home or next home, Impact simplifies the financial decision with options, education and support.
Competitive rates
Free pre-approval
Local in house servicing
Features & Benefits
- Competitively low rates for home purchase, refinance, or construction
- A wide range of terms customized to your unique situation
- A variety of financing programs available:
- Fixed Rate Mortgages
- Adjustable Rate Mortgages (ARMs)
- FHA Loans
- VA Loans
- USDA Loans
- Home Equity Loans
- Low closing costs
- No pre-payment penalty
- Mortgage Loan Originators 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
- Local decision-making and processing in your own community
- Personalized service from trusted lenders
Are you ready to apply?
The following is a list of documents needed to process your mortgage loan application:
- The last two (2) current pay stubs with year-to-date earnings for each borrower
- The last two (2) years of W-2’s for each borrower
- Signed personal tax returns with all applicable schedules for the last two (2) years ended prior to Mortgage application.
- Most current investment statements
- Additional information may be required
Construction Loans
Ready to build your dream home? We have financing options to make your blueprints a reality.
Competitive rates
One time closing
Local in house servicing
Features & Benefits
- Competitive rates
- One time close construction to permanent loan
- Interest only during construction period up to 6 months
- Down payment as low as 20%
- Repayment terms up to 30 years
Refinance
Ease the cost of homeownership by exploring refinancing options with Impact. Begin the process today by completing our mobile/online mortgage loan application.
Competitive rates
Free pre-approval
Local in house servicing
Features & Benefits
- Competitively low rates
- A wide range of terms customized to your unique situation
- Low closing costs?
- No pre-payment penalty
- Local decision-making and processing in your own community
- Personalized service from trusted lenders
What you need to apply for an Impact Mortgage Refinance Loan:
- Paystubs (two most recent for all borrowers)
- W2 for all borrowers for the past two years
- Tax returns for the past two years (if you are self-employed)
- Deposit and investment statements for the past 60 days
- Current copy of Home insurance policy
- Current Mortgage statement