Home Loans - Apply Now

We’ve built our mortgage solutions with Sandhillers and Sandhills communities in mind. Our experienced mortgage officers are ready to help make this process simple and easy, as it should be.  

APPLY ONLINE NOWFIND A BRANCH

 

What's Your Goal?

The Sandhills Advantage makes buying a house easy with our flexible mortgage options, dedicated team, competitive rates, and an easy application process.

home

Buy a Home

Whether you are buying a home for the first time or refinancing an existing home loan, we can help with flexible options.

HOME LOAN APPLICATION

construction

Build a Home

We can assist you in making your dream home become a reality with a construction loan from Sandhills State Bank.

CONSTRUCTION APPLICATION

second home

Buy a Second Home

Looking at a home on the lake or a cabin in the country? Our team will help you go from looking, to moving.

HOME LOAN APPLICATION

equity

Use Your Home's Equity

Are you looking to renovate or repair your current home? We can help you put your home’s equity to work.

HELOC APPLICATION

 


 

Home Loan Checklist

We want to make buying a home an easy process, as it should be. Here's all the information you need to get started on your Home Loan application.  Additional documents may be needed, but we'll walk you through this as we go.  Feel free to upload these documents as you go into our online application.

Information Needed for Application

  • Social Security Number and Date of Birth 
  • Current Address
  • Recent Employment History 
  • Asset Information 
  • Credit Information 

Additional Documents That Will be Requested

  • Bank Statements, Pay Stubs, Tax Forms, and Tax Returns, Self-Employed Business Information, Other Agreements (Alimony, Social Security/Disability, Pension/Retirement Info) 

Documents Eventually Needed

  • Homeowner Insurance Declaration
  • If in Flood Zone - Flood Insurance Declaration

Please Note: Additional documents may be requested during the underwriting process as a result of the information contained in the documents provided. 

 

Apply Online

Home Loan Calculators

Find out how much you can afford. The following online calculators serve as helpful tools during the Home Loan process.  

ONLINE CALCULATORS

 

 

 

Prepayment Savings Calculator

Find out how soon you can pay off your mortgage by making a prepayment.

PREPAYMENT SAVINGS

 

 

Early Payoff Calculator

Determine the additional monthly payment amount needed to pay off the loan sooner.

EARLY PAYOFF

 

Payment / Amortization Calculator

Calculate your monthly payment and see how the principal is paid over time.

PAYMENT CALCULATOR

 

Rent vs Own Calculator

Calculate the difference between renting and buying a home.

RENT VS OWN

 

Annual Percentage Rate (APR) Calculator

Calculate the APR for fixed-rate or adjustable-rate loans.

Rate Calculator

 

Debt Consolidation Calculator

Determine if you can consolidate your debt by combining it with your home mortgage.

DEBT CONSOLIDATION

 

Refinance Break-Even Point Calculator

Find out how long it will take to "break-even" on a refinanced loan.

REFINANCE BREAK-EVEN

 

Tax Savings Calculator

Determine the estimated tax savings with a new loan.

TAX SAVINGS

 

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Community Links

Your local community links will appear here once you've chosen your local community.

 

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