Refinancing
Pay off your current Home Loan and secure a lower interest rate
A Refinancing Loan is used to replace or pay off your current loan. Loan programs used for Refinance Loans are Conventional Loans, FHA Loans and VA Loans.
- Lower your interest rate, lower your monthly payment and eliminate PMI / MIP insurance premiums
- Increase term of current loan to reduce your monthly payment amount or decrease the term of current loan for faster pay off
- Access the equity in your home and pay off other debt or receive cash
- Loan fees can be financed
- Maximum loan amounts apply according to corresponding loan program
What you will need to get refinanced:
- Signed and completed Refinance Application and authorizations
- Copy of applicant's and co-applicant's driver's license
- Copy of paystubs covering the last 30 days for the borrower and co-borrower
- Copy of W-2's for the 2 most recent years for borrower and co-borrower
- Copy of tax returns for 2 most recent years
- Copy of last 2 months bank statements for all accounts listed on application
Report a Lost / Stolen Debit Card
During Banking Hours
785-456-2221
After Banking Hours
866-546-8273
Telephone Banking Number
785-456-6565
785-537-0802
You may also report a lost or stolen debit card via online banking or the mobile app.
Meet Our Home Loan Officers
Shaney Dillon
Real Estate Loan Officer - NMLS #715381
Shaney has been in the real estate industry in the Manhattan, KS area for almost 15 years. From 2001 to 2011 she was a real estate agent and is able to draw upon this experience to benefit customers, providing them with a thorough education of the mortgage process.
With her extensive background, she has the ability...
read more
785-539-8322
Tonia Michaelis
Assistant Vice President, Bank Manager - NMLS #440237
Tonia brings more than 29 years of banking experience to her clients. She wears multiple hats at the bank, toggling between branch manager and Home Loan Officer. Her passion is attending sporting events and school functions with her very active family. She volunteers in the Alma Chamber of Commerce and is also a Board... read more
785-765-2220
