Links and Documents pertaining to your mortgage process

The forms below are basic forms that may be used in the mortgage application process. If you have a question regarding a particular form, please contact us.

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Mortgage Bankers Association of America Consumer Information

The Mortgage Bankers Association of America is the preeminent association representing the real estate finance industry. Their consumer information site contains several tools and guides to aid in purchasing or refinancing a home.


Federal Reserve Board Consumer Information

The Federal Reserve Board maintains a web page with consumer information, including a section on home mortgages. The section covers topics such as finding the best mortgage and understanding ARMs.


Homebuyer Education by Freddie Mac

Freddie Mac is a publicly held corporation chartered by Congress to increase the supply of funds that mortgage lenders, such as commercial banks, mortgage bankers, savings institutions and credit unions, can make available to homebuyers and multifamily investors. This Freddie Mac site offers a step-by-step tutorial on the home buying decision process and the mortgage application process.


United States Postal Service Official Movers Guide

What happens after you complete the purchase process? This U.S. Postal Service site provides all kinds of tools and tips to help make the moving process easier.


Farmers & Merchants Bank

VBS is a proud affiliate of Farmers & Merchants Bank. Farmers & Merchants Bank serves the Shenandoah Valley with nine conveniently located full-service branches, a network of ATM's, and a wide variety of financial servies including banking, investments, and insurance products. Both individuals and businesses will find thattheir professional staff and up to date equipment provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can.


Free Download- Guide to Getting your First Mortgage  

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