Homeowner. Sounds good, doesn’t it?

Whether you are a first time buyer or a seasoned home purchaser, the loan process can seem overwhelming. But we'll make it quick and manageable. Use this guide to help you through the process, or come in for a visit. We're available to walk you through every step of the way.


1. Application Checklist

  • Bring these items with you...
    • - Two years of W-2’s
    • - Two years of Federal Tax Returns
    • - Most recent months’ pay stubs
    • - Last two months’ statements for checking and savings accounts
    • - Divorce decree, if applicable (to verify child support and/or alimony payments)
For self-employed applicants: signed copies of last two years’ Federal Business Tax Returns

Prequalifier Letter

2. Prequalifier Letter

Increase your buying power! Schedule an appointment to meet with one of our Loan Originators today.

Find a home

3. Find it and buy it!

Find the dream home that fits your needs, and your budget.

Protect yourself

4. Protect Yourself

Many buyers make their offers contingent on a home inspection. Don’t let your dream home become a nightmare!

Final Approval

5. Final Approval

Bring us the purchase agreement and lock in on a rate! We may need some additional documents at this time, and will order the appraisal and get the title to the property updated for closing. Final approval usually takes about two weeks.



Once all the paperwork is signed, the keys are yours and it’s time to plan the Housewarming Party!

Mortgage Calculator

Use this calculator to estimate your monthly mortgage payment. Simply enter the loan amount, length of your mortgage and annual interest rate to calculate your payment.

Disclaimer: Monthly payments shown are principal and interest only and do not include private mortgage insurance (PMI), taxes, insurance or other escrows. Actual payment amount may be greater.


Meet the Mortgage Team

Our team of professionals will be by your side through the whole process, guaranteeing a smooth financial transition into your new home. Talk to one of our knowledgeable mortgage experts today! Contact Planters Bank Toll-Free at 833.PFB.TEL1 (833-732-8351), or email us.