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Hyannis

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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.  

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.

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.

Build a Home

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

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.

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 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. 

 

Home Loan Calculators

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

Prepayment Savings Calculator

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

Early Payoff Calculator

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

Payment / Amortization Calculator

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

Rent vs Own Calculator

Calculate the difference between renting and buying a home.

Annual Percentage Rate (APR) Calculator

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

Debt Consolidation Calculator

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

Refinance Break-Even Point Calculator

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

Tax Savings Calculator

Determine the estimated tax savings with a new loan.

NMLS #1796845 - NMLS Lookup