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Our Programs Conventional Loan Programs
FHA Loan Programs
VA Loan Programs
Adjustable Rate Mortgages
Iowa Firsthome program
Bridge Loans
Construction Loans
Jumbo Loan Programs
USDA - Rural Development Loans
Illinois Housing Development Authority Loans
Reverse Mortgages
Our Commitment At Valley Bank our Mortgage Consultants are
committed to finding the correct loan program
for each client.
Delivering extraordinary service is more than our
mission statement. You can count on fast, accurate
and friendly service from your experts at Valley Bank!
Our Locations
2020 E. Kimberly Davenport, IA 52807
(563) 359-5626 Deb Sullivan
Stan Czachowski Sharon Heuer Julie Soucinek
John Cook Tim Foley
Lisa Carstens
2102 Spruce Hills Drive Bettendorf, IA 52722
(563) 344-8960 Nyla Krulik Tom Doty Lisa Stolte
427 W. Kimberly
Davenport, IA 52806 (563) 823-0017
Amber Ernst
3455 Ave. of the Cities Moline, IL 61265 (309) 762-4300 Jason Hutchison
Anita Adams Linda Mayers
500 E LeClaire Rd Eldridge, IA 52748
(563)285-8800 Joy Schneckloth
901 S 4th Street
Clinton, IA (563) 243-6437 Sara Misiewicz
www.valleyb.com
Our Mortgage Consultants
Deb Sullivan John Cook Julie Soucinek Lisa Carstens Tim Foley
Sharon Heuer Stan Czachowski
Amber Ernst Joy Schneckloth
Sara Misiewicz
Lisa Stolte Nyla Krulik Tom Doty
Linda Mayers Anita Adams Jason Hutchison
Doing it right the first time !
Your one stop for all your search and title needs. Owner and Lender title insurance policies
Limited Title/Judgment & Lien Searches
Professional Closing Services
Prompt and Efficient searches in:
Illinois Counties:
Rock Island- Mercer- Henry
Iowa Counties:
Scott
Visit our Web site: www.mtctitle.com
Meridian Title Company 423 17th Street
Rock Island, Il 61201 309-794-9300
309-794-0076 fax [email protected]
1991 Spruce Hills Drive, Bettendorf, IA 52722 Phone: (563) 355-7500 Fax: (563) 355-9800 www.compmort.com
Warrenville, IL Wheaton, IL Bettendorf, IA Grinnell, IA Pella, IA Newton, IA
Illinois Residential Mortgage Licensee: License #: 5795 Iowa Residential Mortgage Licensee: License #: 2001-0104 NMLS# : 21808
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IFA – IOWA FINANCE AUTHORITY PROGRAM - MIN CREDIT SCORE 620 – USED WITH CON/FHA/VA/USDA LOAN PRODUCTS - $2,500 GRANT ASSISTANCE FOR DOWN PAYMENT AND CLOSING COSTS - REDUCED MORTGAGE INSURANCE - INCOME AND PURCHAE PRICE LIMITS APPLY - ADDITIONAL MILATARY HOMEOWNERSHIP PROGRAM $5000 GRANT FUNDS
IHDA – ILLINOIS HOUSING DEVELOPMENT AUTHORITY
- MIN CREDIT SCORE 620 – USED WITH CONV/FHA/VA/USDA LOAN PRODUCTS - UP TO $6000 IN ASSISTANCE FOR DOWN PAYMENT AND CLOSING COSTS - REDUCED MI - INCOME AND PURCHASE PRICE LIMITS APPLY - WELCOME HOME HEROES PROGRAM AVAILABLE - $10,000 GRANT
USDA – RURAL DEVELOPMENT PROGRAM
- MIN CREDIT SCORE 620 - NOW DOWNPAMENT REQUIRED - SELLER CAN PAY 6% TOWARD BUYERS CLOSING COSTS AND PRE-PAIDS - REDUCED MONTHLY MORTGAGE INSURANCE - .4% - INCOME AND PURCHASE PRICE LIMITS APPLY
DAVENPORT DREAM PROGRAM – UNITED NEIGHBORS
- FREE HOMEBUYER EDUCATION PROGRAM - DOWNPAYMENT ASSISTANCE UP TO $2,000 - FUNDS MAY BE USED TOWARD CLOSING COSTS IF NO DOWN PAYMENT IS REQUIRED - FUNDS FOR SOME REPAIRS AFTER CLOSING - REDUCED COST PRE-SALE HOUSE INSPECTION - INCOME AND PURCHASE PRICE LIMITS APPLY
REVERSE MORTGAGES – PURCHASE AND REFINANCE - MUST BE AT LEAST 62 YEARS OF AGE - COUNSSELING FROM A HUD APPROVED AGENCY IS REQUIRED - HOME MUST BE OWNER OCCUPIED - NO CREDIT SCORE OR INCOME – VERIFICATION REQUIRED - ONLY TAX AND INSURANCE REQUIRED – NO MONTHLY HOUSE PAYMENT
CONVENTIONAL –
- SINGLE PREMIUM MI – FINANCE – ELIMANATE MONTHLY MI - HOMEPATH MORTGAGE LOANS AVALIABLE
FHA – PURCHASE AND REFINANCE
- 3.5 DOWN – CAN BE 100% GIFT OR GRANT FUNDS - 203K REHAB LOANS – 1 LOAN TO COVER THE COST OF THE RE-HAB AND PRUCHASE PRICE - Bankruptcy 2yrears and Foreclosure 3 years
VA - 100% FINANCING
- SELLER CAN PAY UP TO 6% FOR BORROWER CLOSING COSTS - BANKRUPTCY AND FORECLOSURE MUST BE 2 YEARS - CAN BE USED WITH BOTH IOWA AND ILLINOIS WELCOME HOME VETERANS PROGRAMS
GIVE US A CALL TODAY: ROBERTA PULSE NMLS#16752 CELL PHONE #563-340-8552 TERESA CARLEY-BROWN NMLS #15809
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nobody knowsmore aboutfinancing homesin the country.When a client wants to buy or build a home in the country or a rural community, make sure they talk to us. Our rural expertise makes financing fast and easy. We offer attractive rates and flexible terms, too.
nobody finances country homes likefarm credit services of america.see for yourself by calling 319-560-8480.
Crop Insurance // Real Estate Loans // Operating Loans // Country Home Loans® AgDirect® Equipment Financing // Cash-Back Dividends
Christy Schnackel, NMLS #152401, Mike Ducey, NMLS #164279
Illinois Residential Mortgage Licensee, CCMC NMLS #3001
Buying a home should be fun! Put our 37+years of lending experience to
work for you! Let us handle the details, you just start picking out paint colors!
www.movingatlifespace.com
2550 Middle Rd, #300, Bettendorf, IA 52722
Christy Schnackel Cell: 309-314-3333
Mike Ducey Cell: 309-737-4628