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Products and Services

WNB Financial Mortgage Services offers a professional, experienced mortgage team that can assist with all your home financing needs. Whether you’re buying, building, or refinancing a primary residence, second home, or investment property, we listen, provide expert advice, and offer a variety of products and loan terms.


Conventional or Traditional Loan

The most popular mortgage loan with low down payment options! This is a mortgage that has a fixed rate through the life of the loan, providing you consistency to help make it easier to set a budget. The monthly principal and interest payment, as well as your interest rate, will stay the same for the entire term of the loan.


Non-Traditional Loan

An option for those who don't meet secondary market guidelines. A balloon mortgage is the most common non-traditional mortgage. This mortgage typically has a short term. However, the monthly payments through this period are not set up to cover the loan term; instead, they’re calculated as if the loan was set up on a traditional long-term mortgage. At the end of the short-term period, you’ll have a “balloon” payment due that you can refinance or pay off.


Medical Professional Program

Tailored with specific benefits for those in the medical profession. With flexible underwriting and financing options, it's the perfect solution to break down the barriers of home ownership early in your medical career. Contact a WNB mortgage lender for more details.


Construction Loan

Financing for when you’re ready to build a new home or complete major renovations. This loan provides interest-only payments based on the amount drawn for the construction period. Typically throughout the construction period, the builder will take draws (payments) for work that has been completed thus far. With the help of our Mortgage Experts, once the home is complete, we can convert the construction loan into permanent financing. Read more about the construction loan process.


Residential Lot Loan

Ideal for the person looking to secure a building site for a future home. With flexible terms, this short-term loan is perfect to get the first item of building checked off your to-do list!


Recreational Land Loans

Financing for long-term personal land commitments, such as hunting land or undeveloped recreational land. With no maximum acreage limit, this product may be a good solution for you.


Bridge Loans

With flexible financing options, this program is tailored for those who may need to purchase a home prior to selling their current home. Bridge loans help bridge the gap for those who need short-term financing options.


Renovation Loans

A convenient way to borrow money for your home purchase and home renovation costs using only one loan. A renovation loan is ideal for improvements, ranging from basic repairs and updates to more expensive additions and remodels.


Junior Mortgages

Used for many different purposes, these types of loans allow you to borrow home equity while you may already have a mortgage on the property.


Pre-approval

As you prepare to buy a new home, one of the most important considerations for you, your real estate agent, and the sellers is how much home you can afford. You need to find out how much money you can borrow and figure out what payment amount is comfortable for you within your overall monthly budget. Just because you can borrow a certain amount doesn’t necessarily mean you should spend that much. A pre-approval gives you a head start over less-prepared buyers. Move forward confidently and get pre-approved today!

 

Freddie Mac BorrowSmart℠

Receive up to $2,500 in assistance!* When purchasing a new home, it’s always best to borrow smarter. Contact a WNB mortgage lender to learn if you qualify today.

*Up to $2,500 in down payment/closing cost assistance based on Area Median Income and other eligibility criteria. This is not a loan and no repayment is required.

Freddie Mac, Single Family logo.

 

Additional Information

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