Home Mortgage Loans

• Competitive rates for home purchase, refinance, or construction
• Available for primary residence, second homes, vacation homes, or investment properties
• A wide range of terms customized to your unique situation
• Variety of financing programs available
• Helpful loan advisors with working knowledge of the local real estate market
• Pre-qualification available for extra confidence when buying your home
• Refinance your current home to potentially lower your rate
• Quick, local decision-making and processing
• Attentive, friendly service from start to finish

Conventional

We offer home buyers both Fixed Rate and Adjustable Rate mortgages.

FHA (Federal Housing Administration)

Qualified borrowers are allowed smaller down payments and flexible credit terms.

VA (Veterans Administration)

Available to all qualified Veterans and in-service personnel.

Down Payment Assistance *

Grants for qualified First Time Home Buyers, Community Partners, and our Military buyers.

USDA

Guaranteed rural housing loan. No down payment needed.

Jumbo

Created primarily for large loans on higher-priced properties.

Second Homes

For purchasing, building, or refinancing beach, lake or other resort homes.

Investment Property

For properties to be used as rentals.

Refinancing

For cash out, lower interest rate and mortgage payment, or to shorten your term.

Construction to Permanent Financing, One-Time Closing

Save time and money when building your dream home. Our Construction to Perm program is a one-time closing for the construction and long term financing of your home.

Residential Lot Loans

Purchase the lot for your dream home!

Reconstruction / Renovation

Improve your home, no matter how big or how small the need.

Contact a Mortgage Professional

YOU MAY QUALIFY FOR UP TO $12,500 DOWN PAYMENT ASSISTANCE

Touchstone Bank can help first-time homebuyers access grant funds to assist you with your down payment and/or closing costs. Funding is available to qualified first-time homebuyers*.

In addition to meeting eligibility requirements, the homebuyer must:
• Contribute at least $1,000 toward the purchase of the home
• Occupy the home as a primary residence
• Complete a homebuyer education and financial literacy course specified by FHLBank Atlanta

To learn more, visit your local branch or visit us online at touchstone.bank.

Touchstone Bank Mortgage is a local mortgage company. As a division of Touchstone Bank is dedicated to providing an exceptional personal experience that you expect from a local community bank. We offer affordable loans, quick processing, and exceptional service. NMLS# 332583. Certain restrictions apply. Equal Housing Lender. NOTICE TO CONSUMERS REGARDING LENDER LICENSEES: Touchstone Bank Mortgage is licensed to engage in business as a Virginia and North Carolina Mortgage Lender and assigned a unique NMLS identifier number: 332583. The NMLS consumer Access Website is linked here: https://www.nmisconsumeraccess.org/ © 2022 Touchstone Bank Mortgage. All Rights Reserved. 4300 Crossings Boulevard, Prince George, VA 23875. 888-478-4434 *First-Time Homebuyer Product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.