Guest: Looking to Buy, Build, Refinance, or Cash-out refinance?
Home Mortgage Loans
Decisions made locally, flexible payments and terms, minimal closing cost. Visit the SVBT Online Mortgage Center to get Pre-Approved or Approved in 20 minutes or less! Our online calculators are great tools to get you started on some of your own financial scenarios.
We offer the following home mortgage loans!
If you're planning to build a new home or looking to remodel your existing home, let Springs Valley construct the perfect financing option for you. With our Home Construction Loan you will enjoy peace of mind with the Flexibility to lock in your interest rate and the Security of knowing your rate and payment at the time of closing.
Let the equity you have in your home work for you. If you have any questions or would like to speak to a Mortgage Loan Officer, please contact us.
For details about Springs Valley's current HELOC special, click here.
Springs Valley has attractive programs designed with first time home buyers in mind. These first time home buyer loans are designed to offer lower down payment requirements, assistance with down payments, closing costs, and flexible rates.
To learn more about our First Time Home Buyer Programs, contact us today!
Qualified Veterans have the opportunity to purchase a home with no down payment required. VA Loans can also be used to refinance a home at a lower interest rate to lower your monthly payment or consolidate debt.
Federal Housing Administration (FHA)
FHA Loans are insured mortgage loans that are backed by the Federal Housing Administration (FHA). The federal government insures the loan in order to reduce their risk of loss if a borrower defaults on their mortgage payments. Typically, an FHA Loan is one of the easiest types of home loans to qualify for. There are several qualifications you'll learn about when you apply for your loan and speak with a mortgage loan officer at Springs Valley.
US Department of Agriculture (USDA)
USDA rural development loans are designed to help medium income American's buy a home in rural and suburban communities. They are the most competitive loan in the market place. Our USDA loan experts can help see if you qualify to buy your new home.
Loan Disclaimer: Loans and Assistance programs for qualified applicants only. View Consumer loan rates online and for all other current rates, call one of our Mortgage Loan Officers. Consult your tax advisor regarding tax deductibility. Certain closing costs may apply. Lender is not affiliated with government agencies. Loans are subject to credit review and approval.
We understand the unique financial needs of doctors. Whether you're still finishing residency or are a successful partner in a fast-growing practice, doctor loans from Springs Valley Bank & Trust Company provide multiple financing options to help you manage your personal and professional expenses.
Residents & New Physicians*
Loan Disclaimer: Other Medical Professionals may qualify. Contact a Springs Valley Loan Officer for more details.
*Established Physicians: Terms and conditions apply. The Physician Loan Program is restricted to primary, owner-occupied residences only. Investment properties, second homes, construction-to-perm and lot loans are ineligible. If the borrower can document that the student loan payment is deferred or in forbearance for at least 12 months after closing, the student loan payment can be excluded from the debt-to-income calculation. Loans are subject to credit review and approval.
**After the ARM period, it is possible that the borrower's payment may increase substantially over the remaining term of the loan.