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Home Mortgage

How Do I Get Pre-Approved for a Loan?

Start our online loan application and check pre-approval when prompted!

If you are interested in a Preferred Pre-Approval (the next best thing to a cash offer), contact us through our online form or call your local office.

You can also specify your lender within the online application. If you don't already have a NEBAT lender, one will reach out to you upon submission.

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3/1 and 5/1 ARMS

  • Loan Amounts up to $647,200
  • Owner Occupied 1-4 family homes and Second Homes are eligible
  • Minimum of 650 credit score with a maximum 30-year amortization
  • Loans over 80% Loan to Value require Private Mortgage Insurance
  • Loans retained and serviced by NEBAT
  • Purchase, Rate and Term Refinance, and Cash Out Refinances available
  • Rates and Terms subject to change

JUMBO 3/1 and 5/1 ARMS

  • Loan Amounts more than $647,200 up to $1 million
  • Owner Occupied 1-4 family homes and Second Homes are eligible
  • Minimum of 650 credit score with a maximum 25-year amortization
  • Loans over 80% Loan to Value require Private Mortgage Insurance
  • Loans retained and serviced by NEBAT
  • Purchase, Rate and Term Refinance, and Cash Out Refinances available
  • Rates and Terms subject to change

What is a fixed rate mortgage?

With a fixed rate mortgage, the interest rate will remain the same for the duration of the loan. In return, your monthly payments remain the same.

What is the advantage of a fixed rate mortgage?

A fixed rate mortgage helps with predictability when budgeting. Without having to worry about your payment changing, you can budget and have peace of mind.

When rates are low, a fixed rate mortgage can help lock in the rate for the duration of the loan.

Is a fixed rate mortgage right for me?

This type of loan is good for those who may plan to live in a house for a long time, want predictability for their monthly payments, or those who are purchasing their home when rates are low.

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