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How much will it cost me to refinance my first mortgage?
When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. Use our convenient Refinance Calculator to determine whether the amount you save in interest will exceed these refinancing costs.
Please note: the calculated results depend on how long you plan to keep your property.
For current refinance rates, please contact your local branch to speak to one of our knowledgeable lenders today!
How much will my fixed rate mortgage payment be?
This Refinance Calculator computes the payments (principal and interest) for a fixed rate loan.
We offer several types of loans.
Please contact us to reach one of our Loan Officers, or stop in at any of our branch locations.
Do you have any deals for first time home buyers?
Options, options, options! American National Bank has a wide variety of home loan offerings depending on your individual needs.
FHA loans are mortgage loans insured by the Federal Housing Administration, and are particularly attractive for first-time home buyers, as down payment requirements are much lower, and you don’t need a perfect credit score to qualify.
We can provide special mortgages for individuals buying a home for the first time–please contact us to get in touch with an experienced mortgage loan officer.
Can I roll my closing cost fees into my loan?
It may be possible to roll closing costs into your loan, depending upon the amount you are borrowing and the value of the property. If you are interested in this option, please discuss this with your lender.
Please contact us or visit a branch location for more information.
What is a Mortgage Note?
A mortgage note, sometimes called a real estate lien note, is a signed legal document that states the signer will repay the amount that has been loaned, plus any interest that accrues during a specified amount of time at a predetermined interest rate.
When you take out a loan to purchase the home, you will need to sign the mortgage (deed of trust) as well as a promissory note. The promissory note contains the terms of loan repayment, while the deed is released to you upon completion of payment.
Check out ANBMN’s 40+ calculators for all of your personal financing needs!
What is a Mortgage Loan?
Likely the largest debt you’ll ever take on is a mortgage. A mortgage is a loan to finance the purchase of your home.
Your home is collateral for the loan, which is also a legal contract you sign to promise that you’ll pay the debt–with interest and other costs–typically over the course of 15 to 30 years.
American National Bank can help you purchase the home that’s right for you.
Whether you’re looking to purchase your first home, refinance an existing property, or if you just want more information on the topic−we can help! We make things simple by offering a wide range of lending options to suit your individual needs, competitive interest rates, and a straightforward approval process.
Use one of our simple Home Loan Calculators to estimate how much you can afford.
Why should I consider getting pre-qualified before buying a home?
Getting pre-qualified before buying a home provides you with the price range that works best with your budget. Pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved.
American National Bank can help you purchase the home that’s right for you.
Whether you’re looking to purchase your first home, refinance an existing property, or if you just want more information on the topic−we can help! We make things simple by offering a wide range of lending options to suit your individual needs, competitive interest rates, and a straightforward approval process.
Use one of our simple Home Loan Calculators to estimate how much you can afford.
Can I delete my escrow account?
Yes, it is possible to cancel your escrow account.
For more information on how to cancel your escrow account please contact us or visit a branch location.
What is the Truth-In-Lending Act?
The Truth in Lending Act (TILA) of 1968 is a United States Federal Law designed to protect Consumers in credit by requiring clear key terms of the arrangement and all costs. The sole purpose is to promote the informed use of consumer credit by requiring disclosures about its terms and costs to the consumer.
