home-financing-ebook

HOME FINANCING SOLUTIONS FROM NEVADA STATE BANK

HOME FINANCINGAT ITS FINESTIt’s the largest investment most of uswill make in our lifetimes. We want tomake sure you’ve got the very bestavailable financing1— whether you’rebuying new, purchasing the perfectresale or renovating your home. TRADITIONAL HOME EQUITY CREDIT LINE3 BUILDING A REAL MORTGAGE LOANS ESTATE PORTFOLIO Want to consolidate debt? How about One thing we know for sure, no two families taking a well-deserved vacation? A Home When you decide it’s time to invest in real estate, are exactly alike. Just like there’s no single Equity Credit Line may be perfect for we can offer financing options to help you acquire home mortgage that works for everyone. Our you. It can give you the cash you need at the property you want. If you’re already in the bankers are ready to show you all of your a favorable rate so you can take care of market, ask us how our refinancing solutions can choices —from traditional 30-year2 fixed-rate home improvements, or pay for unforeseen help with your portfolio’s cash flow needs. loans, to adjustable rate loans and shorter expenses. It’s a convenient and easy way terms. We’ll find a loan to fit your budget and to finance your lifestyle. OPEN THE DOOR TO BETTER your goals. HOME FINANCING  Up to 80% loan-to-value  Up to 30-year terms2  Convenient access to funds Nevada State Bank has more than 56 years  Fixed or adjustable rate options  Fixed-rate structured repayment experience helping Nevadans open the doors to  Purchase or refinance their homes. Let us help you, too: through a wide  First or second mortgages option available range of financing1 options – through personal  Cash-out available one-on-one service – and through stability you  Conventional financing up to 97% LOCK IN A LOW RATE WITH can count on. Bring your banking home. EQUITYLOCK4 loan-to-value To find out more about our home financing  Fixed rate on all or some of the solutions, visit any Nevada State Bank branch  FHA and VA financing or contact us at 1.866.683.5315  Vacation home and rental borrowed balance from your Home Equity Credit Line property financing  Fixed monthly payments  USDA Financing  Plan for large purchases*See the back of this brochure forIMPORTANT DISCLOSURE INFORMATION

nsbank.comIMPORTANT DISLOSURE INFORMATION Rev 06/161. All loans subject to credit approval, terms and conditions apply. 2. 30-year payment example is estimated based on a $250,000 loan amount, 20% down payment, with an interest rate of 4.625%, a 1% origination fee, and $1,900 estimated closingcosts and an APR of 4.767%, which yields 360 monthly principal and interest payments of $1,233.93. Payment does not include taxes and insurance and your payment may be higher. Property must be in Nevada and owner-occupied, first lien position.Your APR may be different. Other options are available. 3. This is a variable rate product. Collateral must be owner-occupied, primary or secondary (no rentals) single family residential property, located in Nevada. Property insurance required. Minimumloan amount $10.000. Other terms and conditions apply. See bank for details. 4. EquityLock structured repayment option are closed-end, fully-amortizing loans utilizing funds up to the maximum credit limit of your Home Equity Credit Line at a fixedrate. Requests for a structured repayment option will be honored during the draw period only. Minimum loan amount is $5,000. A maximum of three EquityLock structured repayment options allowed at any one time. $25 conversion fee per EquityLock.Other terms and conditions apply. See bank for details.A division of ZB, N.A. Member FDIC. NMLS# 467014 Equal Housing Lender