Rely on our residential lending team to provide the expert guidance you need to choose the home loan that’s right for your unique opportunity.
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Flexible terms
Loans are structured to meet your
individual needs.
Fast decisions
Local decision-makers review
loan requests.
Professional advice
Your licensed Mortgage Loan Officer
assists you every step of the way.
Home loans for your next move.
Adjustable Rate Mortgages
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Primary Residence and Vacation Home
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Single Family Residences
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Condominiums
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Townhouse / Attached PUDs
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Purchase a home
When you find the right single-family property, townhouse, or condo, we can help you make it yours.
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Refinance to save more
Refinance an existing mortgage at a lower rate and pay less each month.
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Get the cash you need
Opt for a cash out refinance to receive unrestricted funds you can use to pay for just about anything.
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Initial low interest rate
Benefit from lower interest rates at the start of your loan, compared to many fixed rate home loans.
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Make secure online payments
View your loan balance, payment activity and make your payments online when you link an established Banesco USA account.
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No prepayment penalty
Make extra principal payments and pay off your loan faster.
Residential Property Investment Loans
![Residential Property Investment Loans Residential Property Investment Loans](https://d3km4nny108v6j.cloudfront.net/wp-content/uploads/2024/01/personal-loans-us-pr-banner-2-desk.png)
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Competitive rates
Rates are adjusted based on market conditions.
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Experienced specialists
Benefit from the advice of lenders who are focused on servicing the needs of real estate investors.
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Corporate title
Ability to close your loan under a corporate title for business purpose loans.
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Initial low interest rate
Benefit from lower interest rates at the start of your loan to invest in a property with long-term potential.
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Auto-pay
Use the recurring bill payment feature in BanescOnline to send monthly loan repayments and save time.
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No prepayment penalty
Pay off your loan faster and free up funds to acquire your next property.
Personal service from a Residential Lending Officer.
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Enjoy a seamless experience that includes personal assistance to determine your budget and expert guidance from application to closing.
Get started on your home loan.
[residential] Personal Loans US
Frequently asked questions.
What is an adjustable rate mortgage?
What is a mortgage refinance?
What documents do I need to provide to apply for a home loan?
- Proof of income, such as W-2s for the last 2 years and pay stubs or confirmation of payroll for the most recent 90 days
- If you are self-employed, most recent quarter or year-to-date profit and loss statement
- Bank statements for all your accounts, including deposit accounts and investments, for the most recent 60 days
- Signed personal and business tax returns (if applicable) including all related schedules, for the past two years
- Purchase and Sales Agreement signed by you and the seller
If you’re refinancing an existing mortgage, you should also be prepared to provide:
- Proof of insurance such as homeowners, windstorm and flood
- Copy of the recorded deed showing legal owners of the property
- Title insurance