Buying or refinancing a home can seem daunting, but it doesn’t have to be. The more you know, the better prepared you are. Bank Independent offers multiple online tools to help become informed and make the right choices.
Customization – As a local institution with our own portfolio, we have the ability to tailor solutions to your individual situation. This includes special payment options to fit your budget and even cash back for paying on-time automatically.
Access to Federal Programs – As a $1 Billion bank, we have the capability to leverage federal programs including VA and Fannie Mae conventional loans. You can leverage aggressive rates from national investors, or special programs subsidized by the Federal Government.
Apply Anywhere in Minutes – As a technology leader, Bank Independent allows you to apply in person, over the phone or online – you choose. It can take as little as 20 minutes.
1% Cash Back – There’s nothing like being rewarded for paying on time automatically. For more information about this program for conventional mortgages like a 30-year fixed mortgage, visit 1% cash back for conventional mortgages. For all other mortgages like any one of our custom mortgages, visit 1% cash back for custom mortgages.
All mortgages subject to credit approval
Apply NowApplying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.
Our goal is to provide the highest level of service at competitive rates. Our Mortgage Loan Originators are only a phone call away if you need help. Contact us at 256-386-5100.
Calculators to Fit Your Situation
Free Online CourseIf you prefer, we also offer a brief home buying course in conjunction with the FDIC. The two “Your Own Home” modules generally take less than two hours to complete. You can leave the course at any time and come back later. All you need is a user name and password you set-up initially. Just visit bibank.com/homecourse.