Access Bank and Mortgage is a fully functioning commercial bank that serves the Florida Panhandle. They promise their clients that they will guide them through the entire home loan process, and that they will feel confident about the financial decisions they make regarding their mortgages. Almost all of their business comes from client referrals. You may submit a loan application online, or in person. Access Bank and Mortgage is a division of Parish National Bank.
Access Mortgage Loan Options
Access Mortgage offers traditional and specialty loans. They offer a Thirty Year Fixed Rate and a Fifteen Year Fixed Rate Loan with financing available up to the FNMA maximum loan limits on 100% of the sales price or appraised value on amounts up to $417,000. They also offer a Fixed Rate Jumbo Loan in terms of fifteen or thirty years for 100% of the sale or appraisal price of properties from $417,00 to $1,000,000. Their Adjustable Rate Mortgages are amortized over thirty years, have annual and lifetime caps, have interest rates that adjust annually, and are available for up to $1,000,000. The index is tied to a one-year Treasury Bill rate with a competitive margin. They also provide Interest Only Loans for home purchase, refinance, and construction. They also have FHA, VA, and RD government loans that are available at competitive rates. You can find current rates for all their mortgage products at their official website.
On their website, Access Mortgage advises their clients on how they can speed along the application process. They suggest that their customers have their purchase agreement and/or property title ready. They also ask for customers income verification to include current check stubs showing year to date income, plus the previous two years tax returns. They also advise you prepare proof of your assets, including checking and savings accounts bank names, account numbers, and current balances. Finally, they will also ask for te name, account number, minimum payment, and balance on each revolving, installment, or any other liability account. Although they may ask you for additional information as they process your loan request, they require all of the previously mentioned information up front.
Like any reputable mortgage company, Access Mortgage is an Equal Housing Lender. This simply means that they are proud to follow Title VIII of the Civil Rights Act of 1968. They do not discriminate against clients based on their color, race, national origin, religion, sex, family status, or disability.
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