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Mortgage Lending

woman holding a baby and documents while she talks on the phone


Purchasing a home, whether it’s your first or last, is one of the bigger decisions you will make throughout your life. And, whether you’re building your dream home or looking to refinance an existing one, helping people achieve their dream of home ownership has been Bank 34’s passion from the beginning.  Our Mortgage Loan Products include:  

  • Purchase & Refinance (Rate & Term or Cash-out)
  • Primary residence, second home or investment properties
  • Conventional, FHA, FHA Streamline Refinance, and VA
  • USDA & USDA Streamlined Assist
  • Home Equity Loans – 1st or 2nd on primary or secondary residence; Portfolio in-house loan; Competitive and fully amortized fixed rate
  • Home Equity Lines of Credit (HELOC)- 1st or 2nd on primary or secondary residence; Portfolio in-house loan, Adjustable rate
  • Residential Home Construction/Home Improvement Loans. Minimum loan amount $5,000 and maximum LTV is lesser of up to 90% of cost or 80% of appraised value
  • Improved Land Loans – Portfolio in-house loan
  • Contact us for a quick, simple and a free Pre-Qualification 

Pre-qualified vs Pre-approval

On a new home purchase, before you start home shopping, you may want to get pre-qualified for a home you can afford.  This will give you an idea of how much you will need for a down payment, closing costs, and finding a home within your budget. A credit report will not be pulled for a pre-qualification but once you formally apply for a mortgage and get a pre-approval, a credit report is pulled.  In competitive markets, sellers are more likely to consider serious offers from buyers who have secured a pre-approval, since there is a higher likelihood that the transaction will close. sellers may be more willing to accept a buyer’s offer when they know that a lender has already reviewed certain credit and perhaps qualifying loan documents essential to the transaction. Contact us for a free pre-qualification over the phone today or apply now online for a pre-approval!

To learn more about your credit score and the mortgage loan process, click here:  https://www.bank34.com/resources/credit-report/


MEMBER FDIC.  EQUAL HOUSING LENDER. Bank NMLS #402600. Bank 34 – Corporate, 14850 N. Scottsdale Road, Ste. 100, AZ 85254.

Bank 34 is federally chartered and this certifies us to do mortgage loans in any state. All loans subject to program and full underwriting credit approval. Fees & conditions may apply. This is not an offer to lend. Contact Bank 34 to confirm offer availability and for complete details of applicable fees, terms, conditions and current rate information.

Todos los préstamos sujetos al programa y la aprobación completa del crédito de suscripción. Cargos y condiciones pueden aplicar. Comuníquese con el Banco 34 para obtener detalles completos de las tarifas aplicables, los términos, las condiciones y la información de la tarifa actual.