May 2013 Mortgage Minute

It’s already April and 2013 is shaping up to be an even better year than 2012 for the mortgage department here at Horizon Community Bank. We have doubled our staffing within the last four months and expect to increase our mortgage originations significantly throughout the rest of 2013. In our continued efforts to improve customer service we have hired additional processing staff and opened a mortgage production office in the Bella Plaza on Mesquite Avenue in Lake Havasu City. HCB already services our primary markets in Lake Havasu City, Parker, Fort Mohave/Bullhead City, Quartzsite and immediately surrounding areas. In addition, we have two production offices in the Greater Phoenix area (Located in Gilbert,) and Kingman and expect to continue to grow our mortgage originations in those areas of the State.

As a community bank we pride ourselves on excellent customer service, attention to detail and a commitment to providing all types of mortgage products to serve our diverse customer base. We currently offer Conventional mortgage products with maximum financing to $417k, Federal Housing Administration (FHA) loans and Veteran Administration loans (VA) to $417k. In addition we offer construction financing products. All of the mortgage products are different and depending on your personal situation/finances our staff will educate you on the options and make recommendations according to your personalized needs. Our staff is equipped and trained to provide fast mortgage decisions, same day pre-qualifications for purchases and mortgage rate/fee quotes for refinances within hours of your inquiry. Whether you are shopping for a primary residence, second home or investment property we are ready and excited to be an important part of your purchase experience. Because we are not just a mortgage company but a full service community independent bank, we are positioned to help our mortgage clients with a full scope of banking products and services as well.

There may never be a better time to purchase or refinance a home. With interest rates at historical lows and home prices down significantly now is the time to take advantage of current market conditions. We ask you to consider talking with our professional mortgage staff and allow us to WOW you with exceptional mortgage services. We look forward to working with you and thank you for banking with us and utilizing all of our banking services. Please remember we have staff available 7 days a week in our mortgage department to accommodate you and provide you with answers if and when you find that perfect home or wish to benefit from refinancing your existing mortgage.

Of behalf of the mortgage team – thank you and happy home shopping!

Art Tolis,
AVP/Mortgage Department Manager
NMLS # 566129