How much home can you afford? West One Bank offers a wide variety of residential (including home equity) and construction financing to help you build your first home or your dream home. Stop by and discuss your home loan needs today. Compare our closing costs to those of other lenders.

We offer . . .

Conventional financing on construction, purchase and refinance

Adjustable and fixed-rate mortgages

Montana Board of Investments

FHA, VA and Rural Development financing

 

Our application for a home loan is now available.  

Instructions (Click here to find the instructions for filling out the credit application)

Borrower's Checklist  (Click here to find the checklist of items to bring along with your credit application)

Instructions

To fill out the application, please follow these steps:

1. Print the application form. (It will require Adobe Acrobat Reader, which you can download free from http://www.adobe.com.)

2. Mail or bring the application along with the information listed below to the Real Estate Department at West One Bank.

3. To return to this Web site when you have printed the application form, press the Back button on your browser.

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 BORROWER’S CHECKLIST

When completing the real estate application, please include the following information:

Fully Completed Mortgage Loan Application (Please see the instructions above)
Property Information:
	Copy of the Buy/Sell agreement or escrow papers. If you are applying for a construction loan, include a copy of plans, the cost-breakdown and specifications.
	Legal description from survey, deed or previous title work.
Borrower Information:
	Copy of divorce or separation documents, if applicable.
	Copy of bankruptcy proceedings with status and explanation, if applicable.
	Gift letter or explanation of source of funds for closing costs, if applicable.
	If VA loan, Original Certificate of Eligibility and DD214.
Income Verification:
	Most recent pay stubs showing year-to-date earnings and pay period.
	Last two-years’ Federal tax returns and W-2 forms.
	If self-employed, last two-years’ Partnerships (including K 1’s), S-Corps (including K 1’s) and a current year-to-date Profit and Loss Statement and Balance Sheet.
	Partnership agreements.
	Explanation of any other income.
	Copies of documents and explanations of any money owed you.
	Social Security/Pension award letters.
Other Information:
	Name and address of current landlord with rent receipts for the past year.
	Explanation letter of any late payments, judgments, liens, bankruptcy or foreclosure.
	Closing statement from sale of current property.
	Copies of last two months’ bank statements.
	If FHA/VA loan, copy of social security card and driver’s license.
	If not a U.S. resident, copy of Certificate of Resident Alien Status (Green Card).

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