Home Mortgage Loans
Whether you are a first-time buyer or purchasing your next home, Carroll Bank & Trust is here to help remove the stress from financing your purchase. Our Home Mortgage Loans provide our customers advanced solutions so they can rest assured they are getting the best rates and affordable payments.
Ready to purchase a new home? Here is what you need to know!
Our team of experienced loan officers are ready to help you achieve your goals of home ownership. With lenders specializing in Conventional, FHA, VA and USDA loans, we are committed to finding the loan option that best suits your needs.
Download our Loan Documentation Checklist. Having all of these documents on hand when you meet with our loan officers will help speed up the home loan process.
Learn more about the home buying process and mortgage options by downloading the CB&T First Time Home Buyer’s Guide
Carroll Bank & Trust is an Equal Housing Lender. Loans are available on a fair and equal basis regardless of race, color, national origin, religion, sex, handicap, marital status, familial status. All loans are subject to credit approval and underwriting approval and programs may change at any time. NMLS# 401724
Are you looking for more than just buying a new home? We can help you refinance, make improvements to your house, or build a brand new one. Our loan officers can help you identify your goals to find the right mortgage for your needs.
With competitive rates, experienced lending professionals and local decision-making, you’ll be sure to find a loan at Carroll Bank & Trust that meets your needs.
Meet Our Home Lending Team
Let’s talk Credit!
Your financial behavior over the past seven years, including how much credit you have, how long you’ve had it and whether you pay your bills on time is information included in your credit report. Three credit reporting agencies — Equifax, TransUnion and Experian — maintain these reports, and lenders buy them to help them decide whether to offer you a pre-qualification. Your credit report also carries your credit score ranked between 300 and 850 that many lenders use to decide whether you are creditworthy and will you’ll repay a loan. Your credit score can also influence the interest rate you pay. In many cases the higher your score, the lower your interest rate. Your credit score is available from the three credit reporting agencies:
Equifax – www.equifax.com
TransUnion – www.transunion.com
Experian – www.experian.com
Equal Housing Lender
