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.
Adobe Acrobat Reader is required in order to view these documents. If you do not have Acrobat Reader, click here to download it.
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.
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.
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.
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.
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.