Residential Loans
Mortgage Purchase & Refinance Loans
Are you ready to realize your dream of home ownership or to refinance your existing mortgage? Please call or visit a location near you and speak with a residential loan officer for rates and to apply. GWSB offers a complete package of loan products for residential purchases and refinances including:
- Fixed Rate Loans - 15/20/30 year terms
- Adjustable Rate Loans - 1/1, 3/1, 5/1; Amortized over 15/30 years
- Bridge Loans - Temporary Financing
- 1st Time Home Buyer Program
Residential Construction
GWSB offers residential construction loans that enable you to borrow funds necessary to build your future dream home.
- Variable rate loan
- 1 year term
- Interest only monthly payment with balloon final payment
- Borrow up to 80% of "As completed" appraised value of the project
PRE-QUALIFICATION - A Pre-Qualification is an estimated determination of the loan amount for which you will qualify, based on debt and income. A Pre-Qualification is based solely on stated information from you, with lender documentation or verification of the provided financial date. A Pre-Qualification is, in no way, a commitment to lend.
Pre-Approval - A Pre-Approval is a determination of what amount you can afford to borrow based on your income versus your total obligations (debt). In a Pre-Approval, income, assets, debt and credit are verified and documented by GWSB. Because all financial information is verified and documented, a Pre-Approval is a commitment to lend, however, it is subject to a satisfactory appraisal and a clear title.
Click here for NECESSARY APPLICATION DOCUMENTS.
