Residential Construction Loans

Let NVB be the one-stop source for financing construction for your dream home, and permanent financing when it’s done.

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Frequently Asked Questions

Find the answers here!

  • How do I apply for a home loan?

    Visit our Personal/Auto & Home Loan Center. The following information is usually required during the loan process. Please note that this supporting information is not required to be provided at the same time you provide your loan application.

    • Copies of most recent TWO paystubs for EACH borrower
    • Copies of W2 forms for the previous 2 years of EACH borrower
    • Copies of last 2 years complete Personal and Business Federal Income Tax returns (if applicable) with all schedules included, YTD P&L Statement and Balance Sheet.
    • Proof of additional income (Awards letters, lease agreements, etc.)
    • Copies of bank/asset statements for the previous 2 months, and a copy of most recent 401k statement, or any additional investment accounts.
    • Provide a copy of each borrower’s Driver’s License or state issued picture ID.
    • Copy of signed “Contract to Purchase” with a copy of earnest money check
    • Copy of signed sales contract when current home is being sold. HUD settlement statement when available.
    • Complete copy of all divorce decrees and/or separation agreements along with all amendments.
    • Bankruptcy Petition decree, schedule of creditors, and discharge of bankruptcy with letter of explanation.
  • Can I get a student loan through NVB?

    No, we currently do not offer student loans.

Still have questions? Contact NVB for help.


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