FAQs

General Lending Questions

What kind of loans do you offer?
We provide a full range of business or personal loans. We promise to give you quick, courteous answers for any lending questions or needs you may have.

What information do you require for a loan?
In addition to the application found on this website, you may be asked to provide income verification and property or collateral information for the loan. After submitting the application, we will respond quickly to help complete the process and to give you the fastest turnaround time possible.

What is AutoPay?
AutoPay is an automatic debit from your deposit account for the amount of your monthly loan payment. The debit will be directly applied to your loan on the date your loan payment is due.

Mortgage Related Questions

In addition to my application, what kind of documentation is required when I apply for a mortgage?
Along with your completed application, we request that you supply copies of your W-2 Forms for the past two years, copies of all pay-stubs covering the prior month for each borrower, copies of the last two months of your account statements for all bank, retirement and stock accounts listed on the loan application, a copy of your fully ratified purchase agreement and the name/phone number of your Realtor (purchase transactions only), a copy of your property legal description and a copy of your most recent tax bill.

Small Business Loan Questions

What kind of information do you require for a small business loan?
On business loans, we will be looking for financial information on the business or proprietorship, as well as your personal financial information. Real estate secured loans will generally require an appraisal, based upon the property information provided.

Feel free to call us at (603) 623-2007 or e-mail us using the
Contact Us page and a qualified Lending Officer will walk you through any questions you may have.

How do I find the indexes used for commercial loans?
Generally, our loans are tied to the Wall Street Prime, Federal Home Loan Bank Classic Advance Rate, or Treasury Bill Rates.