Consumer Loans

When you need money for a major purchase, home improvement, college expense or other personal needs, let us tailor a loan to suit your particular needs.

Application Checklist

You can speed the application process by bringing the following information with you when applying for a mortgage loan:

• Copies of most recent pay stubs and tax Withoholding forms for all applicants
• Copies of most recent bank statements for all open accounts
• Copies of most recent investment/retirement fund statements for all accounts
• If purchase transaction, a copy of the contract
• If rental income is being used to qualify, a copy of most recent income tax return
• If refinancing, the name, address, telephone number, and loan account number of the current mortgage holder in order to obtain a payoff statement
• Present insurance carrier's name, agent name, agent's telephone number, annual premium amount and anniversary date.
• Drivers' license

If you are are self-employed, we will also need the following

• Copy of most recent year federal income tax returns and accompanying schedules
• If incorporated, copy of most recent year "S-Corp" federal income tax return
• If a partnership is involved, a partnership income tax return may be required
• Year-to-date Profit and Loss statement if first quarter of the year has passed.

Residential Lending

Purchasing a home is the most significant investment most people will make in their lifetimes. At Nodaway Valley Bank, we recognize the importance of making sure you have the proper financing in place. Let us help you choose the loan terms that best meet your financial needs and goals.