The Key to Your New Home

It’s Easy, Fast & Fun

At OMNI BANK MORTGAGE, we have loans to fit every need.  Whether you are buying a home, a lot, or preparing to build, we can finance your dream.  Come find out why we say the difference is service at OMNI BANK.

Types of Loans Available

• 100% financing
• First-time Home-buyer Loans
• FHA
• VA
• Rural Development
• 40-year Amortizations
• Interest Only
• Additional Loan Options

Click here for important information about Adjustable Rate Mortgages.
Click here for important information about Interest-Only and Payment Option Mortgages.

You Can Start Today
Here’s What We Will Need:

Paystubs from the past month;
W-2 forms for the last two (2) years:
A Listing of all assets, real estate owned (including rental property with income information), legal descriptions of property and purchase agreements;
Bank statements on all deposits and investment accounts for the last two (2) months.

If you are self-employed, please also bring:

Tax returns for the last two (2) years, including W-2’s and all schedules (personal and business returns);
Year-to-date profit and loss statements. 

100% Financing
Home loans are available for 3, 5, and 10 year ARM and all fixed-rate programs.  Purchase money transactions for single family, owner-occupied properties. 

First-Time Home-buyer Loan
Available to a person with no ownership interest in a principal residence during the past three year period. Qualified borrowers may be eligible for closing cost assistance, lower down payment, and competitive market rates.

FHA Mortgage 
Insured by the Federal Housing Administration (FHA). With FHA insurance, you can purchase a home with a down payment of just 3-5% of the FHA appraised value or the purchase price, whichever is lower. Easier credit qualifying than with conventional products.

VA Mortgage 
Available to U.S. veterans through the Veterans Administration (VA). Typically VA mortgages require a smaller down payment and have more attractive interest rates that conventional mortgages.

Rural Development (RD Mortgage) 
Up to 102% government loan with no monthly mortgage insurance premium required. Available only in rural areas on a case by case basis. 

40-year Amortization
Offers generally lower monthly payments because the loan amount is repaid over a longer term.

Interest Only Mortgage
Available for borrowers who want a lower monthly payment now, but expect to apply principal at a later date. Interest may be fixed or adjustable.

Condo Financing 
Mortgages available for purchasing or refinancing of condominiums, both owner-occupied and non-owner occupied.

Second Home
Loans for that special getaway home.

Jumbo Mortgage
Available for customers who need loans larger than the normal conventional FNMA/FHLMC loan limits.

Non-Owner Occupied
Used to purchase or refinance investment properties.

Terms subject to change. Financing subject to normal credit qualifications.