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.


  • Refinance an existing mortgage for a lower rate or cash out
  • Bridge financing is available to purchase another home before your current home is sold
  • 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 Officer for rates, details, or an application for an adjustable rate loan
  • Use our online Calculators when considering a loan

Come Prepared

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 Homeowners insurance
    • Copy of Paid Real Estate Taxes

Please contact one of our loan officers if you have any questions.

Get Started Now


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