Escrows
Escrows are documents, real estate, securities, monies, etc. deposited with a neutral third party (the escrow agent) to be delivered only upon the fulfillment of a condition. Independence Bank acts as the escrow agent, holding documents and acting for both parties in accordance with instructions. This includes handling payments and disbursements, issuing 1099’s and 1098’s, and the optional reserve account for taxes and insurance. Please contact one of our escrow agents in the Havre branch if you have any questions.
Starting the Process…
Call or stop in at any Independence Bank location to talk to one of our Real Estate Lending Team members.
Independence Bank - NMLS #462921
Havre
- Karene Faber, AVP Consumer Lending - NMLS #473305 - Apply Now
- Christy Baker-Smith, Real Estate Loan Officer - NMLS #813203 - Apply Now
- Jennifer Anderson, Retail Mortgage Lender - NMLS #857565 - Apply Now
- Traci Sorensen, Mortgage Loan Processor - NMLS #1578375
- Dawn Stoltz, Loan Assistant – NMLS #1623348
- Christen Ouellette, Consumer Lending Coordinator – NMLS #1623235
Conrad
- Christy Baker-Smith, Real Estate Loan Officer - NMLS #813203 - Apply Now
Poplar
- Karene Faber, AVP Consumer Lending - NMLS #473305 - Apply Now
- Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
Malta
- Juli Snedigar, Loan Officer - NMLS #1322513 - Apply Now
- Barbie Gray, Loan Assistant - NMLS #1570369
Glasgow & Scobey
- Winsor Chang, Mortgage Loan Officer - NMLS #1570629 - Apply Now
Use our online home mortgage calculator to estimate your loan payments.
To begin the application process, please click on the appropriate Apply Now link above.
Real Estate Loan Application Checklist
In order to process your loan application as quickly as possible we have compiled a checklist of the documents and information that is required from the borrower and the co-borrower(s) to complete the loan application. We may require additional information and documentation depending on the circumstances of your loan. Please have this information available at your initial interview with one of our real estate lenders:
- Previous 2 years Federal Tax Returns (with all schedules attached)
- Previous 2 years W2’s for all borrowers
- If commissioned income, please bring last 2 years signed Federal Tax returns with all schedules
- If self-employed, please bring last 2 years signed Federal Tax Returns with all Schedules and year to date Profit and Loss Statement and Balance Sheet
- Current Pay stub with Year To Date totals (if pay stub does not have YTD totals, please supply 1 consecutive month worth of pay stubs)
- Most current Bank Statements on all accounts, Investments, and Retirement. All pages of bank statements required.
- Final Purchase Agreement and Listing Sheet
- Copy of Driver’s License
- Landlord Name & Address for past 2 years (purchase only)
- Copy of Divorce Decree and Child Support Verification (if applicable)
- Payment of Appraisal Fee (Lender will request payment for the appraisal after the applicant has signed the Intent to Proceed, per regulation)
- Home Owners Insurance Information
- VA Loans will require additional documentation as follows:
- Certificate of Eligibility
- Housing Card (active duty)
- Statement of Service (active duty)
- DD214 (non active duty)
- Permission to reside off base (active duty)
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