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South Valley Bank & Trust
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Home Loan Options

Home ownership can be a valuable lifetime investment when done with thoughtful planning and careful timing.  Talk to one of our Loan Officers to get an honest review of what is best for your future.

Please select a link below:

Home Mortgage Loans

South Valley Bank & Trust offers free pre-qualifications to anyone interested in purchasing a home.  A pre-qualification helps determine a purchase price that fits the budget of the buyer, and give you confidence when house shopping.

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Construction Loans

Building a new home?
But worried about the complicated financing of two separate loans?

A Construction/Perm Loan offers:

Simplicity
One application, one approval process and one set of closing costs.

Convenience
You can buy the land, close your construction loan and secure permanent financing all in one process!

Rate lock options
You can lock in the mortgage interest rate during the construction period for up to nine months.

Flexibility
Available in fixed-rate, adjustable-rate, balloon, and jumbo mortgage options.

Best for people who are: 

  • Building homes from scratch and need construction financing 
  • Builders who want to sell more homes by offering their homebuyers time and money savings 
  • First-time homebuyers or purchasers looking to buy new construction that would like to save time and money

South Valley Bank & Trust’s Construction/Perm Loan offers customers who are building homes the flexibility of a double-close loan with the ease and benefits of a single close loan. Construction financing commonly involves two loans: one interim construction loan for the building of the home and one permanent loan for the completed home. South Valley Bank & Trust’s Construction/Perm Loan, however, streamlines the mortgage process to save borrowers both time and money.

If this loan sounds right for you, contact a South Valley Bank & Trust Mortgage Loan Originator today!

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Refinancing

Is the time right for you to refinance?  A good rule of thumb - if the refinance rate is 1% less than your current rate, you could realize a sizeable difference in your payment.  Come see one of our local Loan Officers.  We will give you a straightforward answer if the time is right for you to refinance.

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