Mortgage loans
A Relationship You Can Trust
GettinG Started... loCal: 803-367-4100
long DistanCe: 1-866-755-3537
White street offiCe
225 W. White St.
save time by getting a head start on your Rock Hill, SC 29730
faMilYtrust.org
mortgage application at familytrust.org. once south Pointe offiCe
P.o. BoX 10233 1490 Albright Rd.
you’ve submitted your information, we’ll roCk hill, sC 29731 Rock Hill, SC 29730
promptly follow up with you. faMilY line telePhone Banking: east York offiCe
loCal: 803-367-4110 1690 Old York Rd.
or, if you would rather begin the process
long DistanCe: 1-800-927-0204 York, SC 29745
in person, simply call or email us for an
Dave lYle offiCe Clover offiCe
appointment and we’ll walk you through. 1615 Progress Way 1219 Hwy. 55 East
Rock Hill, SC 29730 Clover, SC 29710
eBenezer offiCe fort Mill offiCe
what’S beSt for you? 2153 Ebenezer Rd.
Rock Hill, SC 29732
Coming Soon
430 Mercantile Pl.
Contact us to make an appointment with our
mortgage consultants.
Call: 803-367-4100 ext. 3014
email: mortGaGe@familytruSt.orG A Relationship You Can Trust
Federally insured by NCUA 8-2011
Call: 803-367-4100
Click: familytrust.org
Mortgage GoVernment loanS
rural DeveloPMent guaranteeD loans
ConVentional loanS
Purchase with as little as 5% down payment.
solutions • finance up to 100%, no down payment
• no Private Mortgage insurance (PMi) required
• Property must be located in an eligible rural area as
vaCation hoMes/investMent ProPerties:
Buy or refinance your vacation home or investment
that fit your needS determined by usDa
• 30-year fixed, stick built
property with flexible repayment terms, rates, and fees.
• income limits apply
ConstruCtion loans: Build your dream home!
family trust offers expert personalized service
We offer a simple, one-time closing from the construction
throughout the home-buying process. Whether • guaranteed by the federal government
phase to your permanent mortgage. fixed and adjustable
you’re looking to buy your first home, refinance fha loans rate options are available. for primary residence only.
your existing mortgage, purchase land, or build • Minimum 3.5% down payment required
on your lot, let us help you find the mortgage • flexible qualification guidelines lot loans: available at competitive rates with a 20%
solution that is best for you. • insured by the federal government minimum down payment for five acres or less; 25% down
• stick built homes payment for more than five acres to 25 acres.
• flexible terms. fixed and adjustable rates Mortgage Insurance is required on transactions with a loan-to-value ratio greater
• up to 30-year fixed rate loans than 80%. Flexible guidelines for well-qualified borrowers.
• refinancing available. rate and term up to 97.75%
• adjustable rate Mortgage loans
va loans
• Purchase and refinance options
• finance up to 100%, no down payment Common queStionS
• lot/land loans • flexible qualification guidelines
• Construction loans • no PMi required hoW long Does the ProCess take? from
• no prepayment penalties application to close usually takes between 30-45 days.
• usDa, fha, and va
• insured by the federal government When Can i loCk in a rate? once your
• Jumbo loan amounts ($417,000+)
• stick built home application has been completed and reviewed by a
• flexible terms. fixed and adjustable rates mortgage consultant.
firSt-time home buyerS Will faMilY trust sell MY Mortgage?
We’re here to guide you through the home-buying in some cases, yes. however, if you’d prefer your
process so you can choose terms and options that are mortgage stay with family trust, we offer adjustable and
best for you. We offer loan programs that allow for 100% fixed rate options. Ask for details.
financing or low down payments to help you open the
What are soMe reasons to refinanCe?
door to home ownership. You can refinance your rate and term up to 90% of your
home’s value. You can consolidate debt, lower payments,
You must meet certain qualifications for these products. terms of repayment shorten the term of the loan and lower your rate.
example: 30-year term fixed rate at 6.50% aPr = 360 monthly payments of $6.33
per $1,000 borrowed. rates and terms are subject to change without notice. all
loan applications are subject to credit and property approval. additional fees and
closing costs may apply. for adjustable-rate mortgages, rates are subject to increase ViSit familytruSt.orG for daily mortGaGe
after the initial fixed-rate period. Maximum loan limits and minimum equity/down
payment requirements may apply. rateS and Valuable information.