 |
 |
 |
 |
| |
"My experience with Yampa Valley Bank and Kathryn Pedersen was absolutly fabulous! The entire loan process was smoothly expedited. I would definately use YVB in the future for all my mortgage needs!"
"We had an extraordinary experience working with Kathryn and Katie. From the professionalism and knowledge that Kathryn brings to the table, to the personal touch Katie adds to each conversation, we have felt as though we were their number one clients all along."
“I would have to give Kathryn credit for all the help she’s been in repairing my credit over the past six years. The whole mortgage team is a pleasure to work with and Kathryn has become a friend throughout the process. She was the first Business Banker I worked with at Yampa Valley Bank and a large reason Yampa Valley Bank now holds four of my business banking accounts. Overall, unbelievable; I could write a book about it!” |
|
|
|
|
 |
|
 |
|
|
| |
| Fixed Rate Loans |
| Adjustable Rate Loans |
| USDA Guaranteed Loans |
| Down Payment Assistance |
|
Fixed Rate Loans
Fixed Rate Loans of 40, 30, 20, 15 and 10 year amortizations are available
|
 |
Adjustable Rate Loans
Adjustable Rate Loans (ARM) are fixed for a set number of years and then adjust annually after that point. For example a 5/1 ARM is fixed for 5 years and then adjusts after the 5th year every 12 months. Adjustable Rate Loans are available in a variety of fixed periods including 1, 3, 5, 7 and 10 years.
|
|
USDA Guaranteed Loans
This is a 30 year fixed rate loan available to households below the County's Adjusted Moderate Income Limits. The loan is available up to 102% of the appraised value and does not have mortgage insurance. This is a perfect loan for first time homebuyers. Please call us to discuss this product if you are interested.
Term: 30 years
|
|
Down Payment Assistance
Multiple Down payment assistance programs are available and depend on household income, down payment and debt ratio. Due to the number of options available, please contact us and we can go through all of the options with you.
|
|
|
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.
|
|
|
|
|