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Farmers Bank and Trust Mortgage
Mortgage Process

Here at FB&T we strive to make the process of buying or refinancing your home clear, accurate and timely. Many questions may arise during your experience and we will work hard to provide you with answers that will give you confidence in your decision.  We would like to take this opportunity to share the basic steps we will take with you through the financing process.


         Application Every transaction must begin with an application, this allows us to begin the process with written permission and the basic information needed to provide accurate rates and pricing.

         Early Disclosures It is our mission to reveal all the fees that are involved in every transaction to you the borrower.  You will be asked to sign documents that disclose this information to you.

         Verification At this stage of the process we reach out to different sources to verify employment, income, assets, property value and credit history. You will play a vital role in ensuring the accuracy and timeliness of this step in the process by providing the most current and accurate information available.

         Underwriting Following the verification stage our underwriter works closely with our investors to ensure that the transaction meets all requirements that are needed to ensure you receive the rate and terms stated in the Early Disclosures.

         Closing The end is almost here!! You will be contacted to set up a closing date and time that is most convenient for you. All the required documents to complete the transaction will be provided.


Each of the steps listed above is a brief summary of the process that you will experience when you make the decision to purchase a home or refinance your current residence.  With your online application, you can track the stages of the process outlined above online!  As always, our originators and staff will be there for you every step of the way to make sure you have everything you need to successfully complete this process.



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