Real Estate Loans

When you're purchasing a home, refinancing your existing house loan, adding landscaping or an addition to your existing home, or scouting out the perfect piece of land to build your future home, Signature Bank and Signature Mortgage, LLC is here with you every step of the way.

We offer:

  • Competitive interest rates on all loan products
  • Long term fixed rates
  • Adjustable Rate Mortgages
  • Low closing costs
  • Fast turn around time

Home Mortgages

We have loans to help finance the purchase of your new home, refinancing your existing home, or consolidate other loans you may have. In addition to attractive rates and terms, our loans have low closing costs.

Fixed Rate Mortgages
Signature Bank offers 15-year, 20-year and 30-year fixed rate loan programs.

Adjustable Rate Mortgages (ARM)
These mortgages generally have lower beginning interest rates (and lower payments) than fixed-rate mortgages. Borrowers may be protected from future large rate increases by the rate caps and limits that are built into these ARM loans. Many borrowers choose this product to keep their mortgage payments at a minimum during the early years of a loan, and if rates increase, the borrower’s income may also increase to help offset the impact on their budget.

Mortgage Calculator

Use our mortgage calculator to compare and save by computing your monthly payment. Please Note – the calculated amount is an approximate value and may differ from the bank’s final calculation.

Please contact us or visit one of our convenient locations to find a home mortgage that is best for you.

Home Equity Loans (HELOC)

You worked so hard for your home; now let it start working for you. The equity in your home may provide solutions to financing your child's education, medical expenses, a small business start-up and much more.

Please contact us or visit one of our convenient locations to find out if a home equity loan will work for you.

Home Improvement Loans

Considering remodeling your bathroom, finishing your basement, or adding a deck or landscaping? Let us help you make your house more like home. We make home improvement loans for any size project.

Click here for a loan calculator to assist you on your home improvement loan.

Please contact us or visit one of our convenient locations to start making your home improvement ideas a reality.

Land Purchase Loans

If you're looking to purchase land to build your dream home, ask us how we can help. Signature Bank offers loans to help make your dream home a reality.

Click here for a loan calculator to assist you on your land purchase loan.

Please contact us or visit one of our convenient locations to help make your dream home a reality.

Home Construction Loans

Signature Bank specializes in helping customers build their dream home. The construction loan program provides short term financing for a specified period of construction. Upon completion the bank will refinance the home for the long term with the appropriate loan program.

Please contact us or visit one of our convenient locations to help make your dream home a reality.

First Time Home Buyers Loan Programs

Signature Bank offers various programs for first time home buyers. If you have not owned a home in the last three years and you meet certain income guidelines, you may qualify for one of the programs.

Click here for a loan calculator to assist you on your first time home buyer loan.

Please contact us or visit one of our convenient locations to find out if a first time home buyers program will work for you.

Other Mortgage Products

We also offer FHA, VA, Rural Development loans, and other special loan programs.

Click here for a loan calculator to assist you on your home financing needs

Please contact us or visit one of our convenient locations to find out if you qualify for one of our special loan programs.

Mortgage Loan Tips

When you're ready for a mortgage loan, you don't want to have to wait through a long application process. To help speed up the time it takes to prepare your application, here's a checklist of information you should bring with you when you meet with a lender to fill out your application:

  • Purchase agreement - legible, signed copy. Include copy of earnest money check if possible.
  • Paycheck stubs - covering the past 30 days. Must be typed or computer generated, and include your name or social security number, year-to-date earnings and employer's name
  • W-2 forms - from all employer(s) for the last two years. Copies must be legible.
  • Employment - name, address and phone number of employer(s) for the last 24 months
  • Retirement, social security, support, alimony -copies of award letters, checks, and court support ledgers are acceptable proof of income.
  • Bank statements - statements for the past two months from each bank where you have an account.
  • 401k and/or IRA statements - most recent statement (if applicable).
  • Investments Account Statements - statements for the last three months (if applicable).
  • Stocks and bonds - proof of ownership and value (if applicable).
  • List of all creditors - addresses, account numbers, monthly payments and balances owed.
  • Rent - name, address and phone number of landlords for the last 24 months plus a signed copy of rental agreement.
  • Divorce decrees - legible copies, including any stipulations or modifications.
  • Certificate of eligibility or DD214 - VA loan only
  • Signed federal tax returns (past two years) - only necessary if you depend on non-salary income, are self–employed or own rental properties.

Let us help you with the early processing of your loan. If you would like us to help with the application process directly, contact us or stop by any of our convenient locations and we will be glad to assist you.

Member FDICEqual Housing Lender