Home Loans

For an affordable mortgage and personal service from a local lender, choose Nodaway Valley Bank. We’ll be here for you from start to finish to ensure a smooth transaction.

Features

Refinance an existing mortgage for a lower rate or cash out

Bridge financing is available to purchase another home

Fast, local decision making

Low fixed and adjustable rates available

Friendly guidance from a lender you can trust

Pre-qualification can improve your negotiating power

Contact a Loan Lender for rates, details, or an application for an adjustable rate loan

Use our online Calculators when considering a loan

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The Next Step

Once an application is submitted, the following information will need to be provided as soon as possible to expedite the underwriting process.

Copies of paystubs for the past 30 days for each borrower.

Copies of W2 and/or 1099 forms for the previous 2 years for each borrower.

Copies of last 2 years completed Personal and Business Federal Income Tax returns (if applicable) with all schedules included, YTD P&L Statement and Balance Sheet.

Proof of additional income (award 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 applicant’s valid, unexpired Driver’s License or state issued identification.

Copy of signed “Contract to Purchase” with a copy of the 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.

For Refinance Transactions:
– Copy of last 3 months mortgage statement
– Copy of proof of homeowner’s insurance
– Copy of paid real estate taxes

Consumer Loan Application Non Real Estate Personal / Auto Loans Home Improvement

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.