Home Loans

HOME OWNERSHIP BEGINS HERE.

Whether you’re thinking of buying, building, improving or refinancing, get the best rates from lenders you can trust at Gibsland Bank & Trust. Our loan officers will help you find an affordable loan that fits your situation and walk you through the entire process.

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VA

Borrower to present certificate of eligibility from VA

• 0% down payment
• 4% seller concessions
• No upfront mortgage insurance
• No monthly mortgage insurance
• 15 and 30 year term

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FHA

• 3.5% downpayment
• 6% seller concessions
• 1.75% Upfront MIP
• Gift funds allowed for down payment
• 15 and 30 year term

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Rural Development

• 0% down payment
• 6% seller concessions
• Up to 102% LTV
• Income limits apply/property must be eligible

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Conventional

• Minimum 5% down payment
• 3% seller concession
• Private Mortgage insurance required on Loan to Values >80%
• 10/15/20/30 year terms

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Home Ready

• 3% down payment
• First time homebuyer program
• On line counseling program with certificate required to obtain financing
• Borrower or Co Borrower cannot have owned a home in last 3 years.
• Income limits apply

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