Refinancing, buying a first home or building a dream home, Home Bank has long been a leading provider of home mortgages to the people of Acadiana. Personal service has been and will continue to be our greatest strength. Our mortgage lenders will take the time to discuss your options, answer your questions and develop a home mortgage solution that best meets your needs.

Buying a Home?
Whether shopping for a mortgage for your first home, looking to move into another home, or building, Home Bank has the answers to all of your questions.

• How much house can you afford?
• How much should you put down?
• What will your monthly payment be?

It’s important to know your buying power. Home Bank can answer these questions and others, let us lead you through the entire experience of realizing your dream.

Building a Home?
Unlike purchasing an existing home, a loan to finance the construction of a home typically requires two phases of the loan process. At Home Bank we consolidate these two phases into one convenient loan, thus requiring only one closing. With a Home Bank construction loan, we set up a free construction checking account. Loan proceeds can be transferred into your checking account, enabling you to write checks and track building expenses without having to come into the bank.

Time to Refinance?
Lower interest rates can definitely lower your monthly payments. A shorter term (15- vs. 30-year mortgage) can lower the initial interest rate and dramatically reduce the interest you pay over the term of the loan. Refinancing also makes sense if you are interested in consolidating payments or using the equity in your home for another purpose. Call our Mortgage Team for assistance in making the right refinancing choice.

Adjustable Rate Mortgage
Let the Mortgage Team at Home Bank explain the advantages and disadvantages associated with this type of mortgage loan. Some advantages of an adjustable rate mortgage:

• ARM loans may have a lower initial rate for an initial fixed period of time.
• ARM loans at Home Bank usually have lower closing costs.
• Borrowers can protect themselves from rising payments by paying additional principal while the rate is still low.
• The ARM may be better for someone planning to prepay the mortgage or own the property for a short term.

ARMs have risks as well. If interest rates rise, the loan rate and the monthly loan payment may increase as well.

We can work with you to determine the mortgage that will best meet your needs and budget. Call (337) 237-1960 today to set up an appointment with our mortgage team.

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