www.heritageunitedmortgage.gvcmortgage.comHeritage United Mortgage Services | Evansville Mortgage Lender

Apply About Team Loans Resources Contact Apply for My Loan Today It’s free, secure, and takes less than 5 minutes. Heritage United Mortgage Services is a division of GVC Mortgage, Inc. Why Heritage United Mortgage? Personalized Loans Get the right loan for your situation. Quick Closings Close your loan in weeks. Great Support Enjoy the personalized service you deserve.We are a family owned mortgage lender dedicated to making the home loan process simple and fast. Apply for Your Loan Today Meet Our Team We are Ready to Help You Dan Phillips Branch Manager, NMLS# 6518 States Licensed in: IN, KY Apply with Dan Kim Clark Marketing Coordinator The Right Loan Program for You Which Scenario Below Best Describes You? FHA I do not have a lot of money for a down payment. Loan Features: Great for First Time Homebuyers Low Down Payment Easy Credit Qualifying Purchases can Include Rehab and Remodels Easy Refinancing Learn More USDA I live in a rural area and need financing for a home. Loan Features: Great for those with Low to Moderate Income Up to 100% Financing Flexible Underwriting Guidelines and Credit Qualifications Household Income & Property Geographic Limitations Apply Learn More Conventional I am able to make a larger down payment. Loan Features: Great for those with Moderate to High Income As Little as 5% Down Payment (only 3% for First-Time Homebuyers) 20% Down Payment Removes Mortgage Insurance Premiums Flexible Terms Learn More VA I am an active member of the military or a veteran. Loan Features: Designed to Provide Financing to American Veterans Up to 100% Financing No Monthly Private Mortgage Insurance (PMI) Learn More FHA 203k Limited I want to buy a fixer upper or improve my current home. Loan Features: A Single Loan Finances Home and Less Extensive Non-Structural Repairs Mortgage Balance can be Greater than the Purchase Price No Professional Consultants, Engineers, or Architects Required Learn More Doctors I am completing my residency and want to buy. Loan Features: Flexible Down Payment Options Up to 100% Financing No Monthly Private Mortgage Insurance (PMI) Learn More DU Refi Plus I had a conventional loan before 2009 and owe more on my mortgage than my home is worth. Loan Features: Increased Underwriting Flexibilities Refinances Existing Fannie Mae Loans made before May 31st 2009 for Today’s Low Interest Rates No Mortgage Insurance Premiums Required if Mortgage Insurance was not Required at Start of Existing Loan Learn More FHA Manufactured Home I want to purchase a manufactured home. Loan Features: Great for First Time Homebuyers Low Down Payment Easy Credit Qualifying Easy Refinancing Learn More Apply for Your Loan Today What Would You Like to Do? Purchase a Home Learn More Refinance My Mortgage Learn More Your Home Loan Experience Our Process Allows us to Close Loans in Weeks Step 1 You Apply and get Pre-Qualified Step 2 We Prepare Your Preliminary Documents Step 3 We Meet with You to Sign Documents Step 4 We Process Your Loan and Order Your Appraisal Step 5 We Underwrite Your Loan Step 6 Our Underwriters Issue a Conditional Approval Step 7 We Work Together to Satisfy all Outstanding Conditions Step 8 We Send Back Requested Conditions to our Underwriter Step 9 Additional Documentation may be Requested once Conditions are Reviewed Step 10 We are Issued a Clear to Close Step 11 We Schedule Your Closing with Title Company and all Parties Step 12 Title Company Prepares Your Closing Documents and Executes Closing Back to Resources Required Documentation for a Home Loan When You Apply for a Home Loan You Will Need to Provide the Following Documentation Purchase Loan Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years Most Recent 30 days of Pay Stubs with YTD Gross Earnings Most Recent 2 Months of Bank Statements (all pages) Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) Signed Loan Application Driver’s License and Social Security Card Signed Purchase Agreement 12 Months Cancelled Checks for Verification of Rent and Rental Agreement Other Documentation may be Required Back to Resources Apply for Your Loan Today Your Refinance Experience Our Process Allows us to Close a Refinance Loan in Weeks Step 1 Determine Why You Want to Refinance Step 2 Contact Us Step 3 Apply for Loan Step 4 We Review Your Credit Step 5 We Will Give You Details of Your Refinance Step 6 You Provide Required Documentation and We Order Appraisal Step 7 We do a Final Underwrite Step 8 We are Issued a Clear to Close Step 9 We Schedule Your Closing with Title Company Step 10 Title Company Prepares Your Closing Documents and Executes Closing Step 11 Your 3 Business Day Recession Period Starts Back to Resources Required Documentation for a Refinance When You Apply to Refinance You Will Need to Provide the Following Documentation Refinance Loan Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years Most Recent 30 days of Pay Stubs with YTD Gross Earnings Most Recent 2 Months of Bank Statements (all pages) Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) Signed Loan Application Driver’s License and Social Security Card Mortgage Statement or Coupons Other Documentation may be Required Back to Resources Apply for Your Loan Today Visit Us Our Office Hours are Monday through Friday 9 AM – 5 PM Contact Us How Can We Help You? Notice: JavaScript is required for this content. Apply for Your Loan Today top Connect With Us Contact Info Office: 812.475.0500 Fax: 812.475.9992 1420 N Weinbach Ave Evansville, IN 47711 Site Navigation About Team Loans Resources Contact Legal State Licenses Privacy Policy Consumers Legal Disclosure © 2019 Heritage United Mortgage Services, a division of GVC Mortgage, Inc. All rights reserved. NMLS# 2334 | Equal Housing...