Home Lending Solutions Built for You
Purchasing a home is one of the biggest decisions you’ll make in your life. Whether purchasing a new home or refinancing your existing home, it’s important to work with a lender you can trust to put your needs first. That’s the experience you can expect when you work with Eagle Rock Bank as your mortgage lender. From pre-approval to closing, you can trust that we are with you every step of the way. If you’re ready to start the home loan application process with Eagle Rock Bank, click the button below.
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The Home Application Process at Eagle Rock Bank
Follow these steps to apply for a home loan with Eagle Rock Bank:
- Complete our online application or contact our mortgage lender
- Submit your application online
- Our lenders will review your submission and be in touch with you within 2 business days
When your Eagle Rock Bank loan officer contacts you, they’ll provide you with further guidance on what to expect throughout the mortgage lending process. We encourage our home loan applicants to go through this process at the start of their home buying process. Getting pre-approved allows you to know how much you can afford when searching for your new home.
Eagle Rock Bank Home Loan Offerings
| Home Loan Type |
|---|
Fixed-Rate Mortgage |
|---|
| What You Need to Know About This Home Loan | Fixed-rate mortgages are the ideal loan for borrowers who want to be able to budget for a consistent monthly payment throughout the loan's entire term. Your interest rate stays the same for the whole term. These loans are a good option for borrowers intending to stay in their home longer than 10 years. |
Adjustable-Rate Mortgage |
|---|
| What You Need to Know About This Home Loan | Adjustable-rate mortgages can be a good choice for borrowers who plan to live in their home for less than 10 years. The loan's interest rate will be fixed for an initial term before being subject to changes in the market's rate. |
Mortgage Loan Refinance |
|---|
| What You Need to Know About This Home Loan | Many borrowers choose to refinance their home loan when interest rates are lower than when they initially applied for their loan. Refinancing your mortgage can lower your interest rate, reduce your monthly payment and shorten the term on you loan to help you pay your mortgage off faster. |
Cash-Out Refinance |
|---|
| What You Need to Know About This Home Loan | With a cash-out refinance, you get a new home loan for more than you currently owe on your house. The difference between that new mortgage amount and the balance on your previous mortgage goes to you at closing in cash, which you can spend on home improvements, debt consolidation or other financial needs. |
Investment Property Mortgage |
|---|
| What You Need to Know About This Home Loan | An investment property mortgage loan allows you to get a loan to purchase real estate that can be used to generate income. These loans typically have distinct terms and requirements compared to mortgages for primary residences. |
| Home Loan Type | What You Need to Know About This Home Loan |
|---|
Fixed-Rate Mortgage | Fixed-rate mortgages are the ideal loan for borrowers who want to be able to budget for a consistent monthly payment throughout the loan's entire term. Your interest rate stays the same for the whole term. These loans are a good option for borrowers intending to stay in their home longer than 10 years. |
Adjustable-Rate Mortgage | Adjustable-rate mortgages can be a good choice for borrowers who plan to live in their home for less than 10 years. The loan's interest rate will be fixed for an initial term before being subject to changes in the market's rate. |
Mortgage Loan Refinance | Many borrowers choose to refinance their home loan when interest rates are lower than when they initially applied for their loan. Refinancing your mortgage can lower your interest rate, reduce your monthly payment and shorten the term on you loan to help you pay your mortgage off faster. |
Cash-Out Refinance | With a cash-out refinance, you get a new home loan for more than you currently owe on your house. The difference between that new mortgage amount and the balance on your previous mortgage goes to you at closing in cash, which you can spend on home improvements, debt consolidation or other financial needs. |
Investment Property Mortgage | An investment property mortgage loan allows you to get a loan to purchase real estate that can be used to generate income. These loans typically have distinct terms and requirements compared to mortgages for primary residences. |
Meet Our Mortgage Lending Team
Crystal Hughley
VP Branch Operations Manager & Mortgage Loan Originator
NMLS: 1389898
Divisions: Consumer Lending,
Real Estate Lending
Location: Rochester Office
Phone: (507) 424-1571
Contact Me
