Mortgage Services
At Lakeside Bank we pride ourselves on exceptional customer service. We offer a wide variety of programs to fit your individual needs. Our mortgage consultants are knowledgeable professionals with years of experience in the mortgage industry. We are dedicated to making your home purchase or refinance a positive experience. When you apply for a mortgage loan at Lakeside Bank, you can take advantage of the following services:
Pre-Approval Program
Secure your mortgage financing and have peace of mind before you purchase your home. Apply for your Lakeside Bank mortgage loan and...
- You will know exactly how much home you can afford to purchase.
- You will have a stronger contract offer in the negotiating process.
- You will have the mortgage loan process complete, which assures for a quick and easy closing.
- You will have a Mortgage Commitment Letter issued and signed by Lakeside Bank.
Rate Locks
Lakeside Bank offers standard 30, 45 and 60 day locks. However, if your closing is further out, we offer the option of extended locks up to 18 months. Choose the rate price protection best suited for your situation.
Rate Cap
With our Builders Advantage program you can lock in up to 18 months with a FREE float down option. If market rates improve so will your interest rate.
Do you need an Application Checklist to help you get started?
You should bring the following with you:
- Most recent 2 years W-2’s and tax returns
- Most recent pay stubs (2)
- Most recent 2 months bank statements
- Documentation on stocks, bonds, certificate of deposit and other assets
- Driver’s License, passport or state identification card
- Fully executed purchase contract
- Refinance only - copy of current mortgage statement and copy of insurance
- Divorce decree (if applicable)
- Purchase only - Attorney and Real Estate Agent’s name and telephone number
