You’ve found the house you’ve always wanted, or maybe you’re ready to build that dream home.
Either way, buying a home is a major step. We understand that, and we understand that you most likely have a lot of questions. How much house can I afford? How much will I need for a down payment? What loan option best fits my situation?
Place your financing needs in the experienced hands of the people who know how to make a mortgage do more for you. Our mortgage professionals are more than financial experts: they’re part of the community. They can provide personalized service from application to close, making the process pleasant and easy. We know that dreams come in all shapes and sizes. That’s why we offer a variety of mortgage programs. Together, we can choose the one that’s right for you.
Apply Today
To begin your application process, you can either contact a mortgage professional directly, or apply now! We want to make the process easy. And we’ve done it a million times.
Find your MLO
Begin the inquiry process from the comfort of your own home and one-on-one with a local American National Bank mortgage loan officer. Browse our directory to find an MLO near you.
Account Login
If you currently have a loan, access your account easily and efficiently to check loan status and make payments.
Homeownership Set–Aside Program
American National Bank is committed to helping you achieve the dream of homeownership. Through the Homeownership Set–Aside Program, grant funds are available to assist eligible first–time homebuyers with closing costs and down payment assistance. You could be eligible for up to $7,500 in assistance per household. This program is a partnership with FHLBank members. Funding will be available on a first-come, first serve basis now through November 30, 2023.
To be eligible for the program, homebuyers must meet the following requirements:
- Be a first-time homebuyer
- Have a minimum credit score of 620
- Live in a participating county
- Meet income guidelines
- Attend a homebuyer education class
- The homeowner/buyer must be the owner occupant of the home purchased or rehabilitated
We recognize that homeownership can be a complicated process. That’s why our team of experienced professionals is here to help. We’ll guide you through the application process and provide you with the information you need to make informed decisions. Take the first step and contact us today.
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Purchase
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Refinance
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Build
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Purchasing a home is one of the biggest investments you could ever make.
Purchasing a home is one of life’s biggest investments.
Our mortgage professionals can explain what loan options are available to you and make a recommendation based on your needs, finances, and goals.
Loan products we offer include Conventional, FHA, VA, USDA, NIFA, Jumbo, and Portfolio.
Not sure where to start? Give Mark a call.
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Is refinancing your mortgage right for you?
Refinancing is a great way to accomplish your goals. Debt consolidation, home improvement, lowering your rate, eliminating mortgage insurance, or shorten the term of your loan.
There are many reasons refinancing may be right for you.
Call one of our experienced Loan Officers today: 402-939-3760!
Ready to get started?
Click below to create a secure portal and begin an online application now.
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Build the home of your dreams with a construction loan at American National Bank.
Worried about interest rates? Talk with a Loan Officer about our extended rate lock options.
Lock in a rate today and get protected against future increases while your home is under construction. Get a better rate later if rates have improved when the home is finished.
Our experienced lenders can guide you through the building process.
Call today: 402-939-3760!
Ready to get started?
Click below to create a secure portal and begin an online application now.
Tips To Speed Up Your Loan Process
You’ve found the perfect home. Now you’re anxious to get things moving. Being prepared with the necessary documentation will help—allowing you to get into your home quickly and easily. Here’s what you’ll need to have on hand when you submit your final application.
Pay Stubs
One month’s original pay stub(s) for all applicants.
W-2 Forms
Original W-2 Forms for the last two years for all applicants.
Account Statements
Complete bank, retirement, and investment account statements.
Rental Information
Contact information for your landlord if currently renting.
Self Employment Information
Two years of personal and business tax returns if self-employed.
Copy of Diploma
If you have graduated in the last two years.
Divorce Decree
Complete divorce decree and property settlement if applicable.
Bankruptcy Discharge
Complete copy of petition and bankruptcy discharge if applicable.
VA Certificate
Original VA Certificate of Eligibility if applicable.
Unsure of what you can afford?
Contact our loan professionals today!
Mortgage Benefits When You Use American National Bank
Pre-Qualification
A quick and easy process that analyzes a variety of financial components to give you a good idea of how much home you can buy. It simplifies your home search and increases the chances of getting the home you want.
Special Program Benefits
There are several programs that may provide financial incentives or benefits for your loan. We can provide information that may help you save money. Talk to one of our financial experts to learn more.
Fixed-Rate Mortgage
Get peace of mind knowing that the monthly payments for principal and interest are fixed for the entire term of your loan. So, you can manage your money a little easier, as you always know what that expense will be.
Government Loan Programs
Our experts can help you make the most of your options under Federal Housing Administration (FHA) and Veterans Administration (VA) programs. These are government-insured loans that have more flexible qualifying guidelines and allow a lower down payment.
Refinancing
You may be able to lower your monthly house payment or shorten the term of your loan by refinancing your existing mortgage. Or, if you currently have an adjustable-rate mortgage, it might be worth considering a switch to the security of a fixed-rate term loan.
