Residential Real Estate Loans
The Warren-Boynton State Bank offers a wide range of affordable mortgage loan products.
Residential 1-4 Family
Real Estate Construction
Home Equity
Home Improvement
Loan officers are available at the following branches:
New Berlin
Kevin Hermes
217-488-6091 Ext. 2232
(NMLS 525000)
Macy Morrison
217-787-0430 Ext. 2632
(NMLS 1749931)
Springfield
Rich Payne
217-787-0430 Ext. 2622
(NMLS 648782)
Todd Lucas
217-787-0430 Ext. 2626
(NMLS 970073)
Modesto/Palmyra
Adam Sims
217-439-7267 Ext. 2310
(NMLS 525082)
Trista Woods
217-439-7367 Ext. 2312
(NMLS 2759523)
Get Started Today by Completing the Online Application!
Residential Loan Application
Please contact us for a loan application packet.
Check out our Current Rates:
Real Estate Loan Rates
Supporting Document Checklist
Warren-Boynton State Bank Supporting Documentation for Real Estate & Loan Applications
- Signed purchase contract, with any amendments or counteroffers, signed by all parties.
- Signed purchase contract on sale of old home with a copy of the HUD Settlement Statement when available.
- If renting, include name, address & phone number of landlords.
- W-2 Forms and Full Tax Returns for most recent 2 years.
- Copy of last two year's complete Federal Income Tax returns. (If self-employed, see back side)
- Bank statements for past two consecutive months.
- Pay-stubs for past two consecutive months per borrower.
- Properly executed divorce decree & settlement statement with 12-month payment history if applicable.
- Documents related to any legal matters with letters of explanation.
- Suits, judgments, liens, and repossessions.
- Bankruptcy
1. petition for bankruptcy
2. schedule of bankruptcy
3. discharge
- Rental/Lease agreements on property you own.
- Documentation of social security, disability, pension, child support, and alimony if you intend to use this income as a basis in repayment of your loan.
- Gift funds are a case-by-case basis.
Your loan cannot be fully processed until the requested information is received. Delays in receipt of requested information may result in the expiration of your interest rate and discount points. Other information may be requested during the processing of your loan, which are not known at this time.
Tools and resources for home buyers are available from the Consumer Financial Protection Bureau at the following link: https://www.consumerfinance.gov/owning-a-home/
Additional Documentation for the Self-Employed Applicant
- A year to date income statement and balance sheet on all of your business investments
- Full Federal and State Tax Returns