--- title: Heritage United Mortgage Services | Evansville Mortgage Lender description: Whether you are looking to buy your dream home, purchase a second home, or refinance your existing home Heritage United Mortgage Services can help you. --- # Get your home loan fast. ### Buying a home or refinancing can be intimidating but it shouldn't be. We simplify the loan process for you so it isn't. [ Get Pre-Approved ](https://hum.mortgageexpressapp.com/homehub/signup/DPHILLIPS@GVCMORTGAGE.COM) *Applying for your loan is free, secure, and takes minutes.* ![evansville-office-updated](https://www.heritageunitedmortgage.com/hubfs/Heritage_United_Mortgage_june2022/Images/evansville-office-updated.jpg "evansville-office-updated") # Why Heritage United Mortgage? ### Personalized loans, quick closings, great support. Get the right loan program for your situation, close in weeks, and enjoy the personalized service you deserve. ## ** [Apply for Your Loan Today **](https://hum.mortgageexpressapp.com/borrower/signup/dphillips@gvcmortgage.com)** # Meet Your Heritage United Mortgage Team. ### We're ready to help you with your home financing. Our team is licensed in Indiana and Kentucky so we can help you with home financing throughout both states. ## ![Dan Phillips](https://www.heritageunitedmortgage.com/hs-fs/hubfs/Dan%20Phillips.png?width=248&name=Dan%20Phillips.png) Dan Phillips Branch Manager NMLS# 6518 States Licensed in: IN, KY [ Apply with Dan ](https://hum.mortgageexpressapp.com/homehub/signup/DPHILLIPS@GVCMORTGAGE.COM) ## ![evansville-kim-clark-picture-1-1](https://www.heritageunitedmortgage.com/hs-fs/hubfs/evansville-kim-clark-picture-1-1.jpg?width=295&name=evansville-kim-clark-picture-1-1.jpg) Kim Clark Marketing Coordinator # The Right Loan Program for You ## Which Scenario Below Best Describes You? FHA #### **I do not have a lot of money for a down payment.** Loan Features: - Great for First Time Homebuyers - Low Down Payment - Easy Credit Qualifying - Purchases can Include Rehab and Remodels - Easy Refinancing Learn More USDA #### **I live in a rural area and need financing for a home.** Loan Features: - Great for those with Low to Moderate Income - Up to 100% Financing - Flexible Underwriting Guidelines and Credit Qualifications - Household Income & Property Geographic Limitations Apply Learn More Conventional #### **I am able to make a larger down payment.** Loan Features: - Great for those with Moderate to High Income - As Little as 5% Down Payment (only 3% for First-Time Homebuyers) - 20% Down Payment Removes Mortgage Insurance Premiums - Flexible Terms Learn More VA #### **I am an active member of the military or a veteran.** Loan Features: - Designed to Provide Financing to American Veterans - Up to 100% Financing - No Monthly Private Mortgage Insurance (PMI) Learn More Doctors #### **I am completing my residency and want to buy.** Loan Features: - Flexible Down Payment Options - Up to 100% Financing - No Monthly Private Mortgage Insurance (PMI) Learn More DU Refi Plus #### **I had a conventional loan before 2009 and owe more on my mortgage than my home is worth.** Loan Features: - Increased Underwriting Flexibilities - Refinances Existing Fannie Mae Loans made before May 31st 2009 for Today’s Low Interest Rates - No Mortgage Insurance Premiums Required if Mortgage Insurance was not Required at Start of Existing Loan Learn More FHA Manufactured Home #### **I want to purchase a manufactured home.** Loan Features: - Great for First Time Homebuyers - Low Down Payment - Easy Credit Qualifying - Easy Refinancing Learn More ## ** [Apply for Your Loan Today **](https://hum.mortgageexpressapp.com/borrower/signup/dphillips@gvcmortgage.com) ** ### What Would You Like to Do? ## Purchase a Home [ Learn More ](https://www.heritageunitedmortgage.com#purchase) ## Refinance My Mortgage [ Learn More ](https://www.heritageunitedmortgage.com#refinance) --- # Your home loan experience. ### Our process allows us to close your loan on average 36% faster than the national average. Step 1: Talk to our team If you’re looking to purchase a home, the first step is to talk to our team and get pre-approved. We’ll have a one-on-one conversation that results in a customized pre-approval plan to get you to the closing table. We’ll review your finances and determine the best loan program to help you accomplish your goals. Step 2: Apply for your mortgage Once you understand your mortgage options, we’ll start working on your application. During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters. Step 3: Close on your home financing When your home loan is clear-to-close, we’ll schedule the closing and finalize a few last-minute details. This is the most exciting part of the process because after you sign your closing documents, we get to welcome you home! # Required documentation for a home loan. ### When you apply for a home loan you'll need to provide the following documentation. | | Purchase Loan | | --- | --- | | Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | ** | | Most Recent 30 days of Pay Stubs with YTD Gross Earnings | ** | | Most Recent 2 Months of Bank Statements (all pages) | ** | | Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | ** | | Signed Loan Application | ** | | Driver’s License and Social Security Card | ** | | Signed Purchase Agreement | ** | | 12 Months Cancelled Checks for Verification of Rent and Rental Agreement | ** | | Other Documentation may be Required | ** | [Back to Resources](https://www.heritageunitedmortgage.com#resources) ## ** [Apply for Your Loan Today **](https://hum.mortgageexpressapp.com/borrower/signup/dphillips@gvcmortgage.com) ** # Your refinance experience. Step 1: Talk to our team If you’re looking to refinance a good first step is determining why you want to refinance. We’ll have a one-on-one conversation that results in a customized pre-approval plan to get you to the closing table. We’ll review your finances and determine the best refinance option to help you accomplish your goals. Step 2: Apply for your mortgage Once you understand your refinance options, we’ll start working on your application. During this part of the process, our team will help you determine which documents need to be submitted, what the right down payment is for your goals, and double check everything before submitting to our underwriters. Step 3: Close on your refinance When your refinance loan is clear-to-close, we’ll schedule the closing and finalize a few last-minute details. # Required documentation for a home loan. ### When you apply to refinance you'll need to provide the following documentation. | | Refinance Loan | | --- | --- | | Copies of Federal Tax Returns (all pages/schedules) and W-2’s for Prior 2 Years | ** | | Most Recent 30 days of Pay Stubs with YTD Gross Earnings | ** | | Most Recent 2 Months of Bank Statements (all pages) | ** | | Asset Statement (401K, brokerage accounts, mutual funds, stocks, etc.) | ** | | Signed Loan Application | ** | | Driver’s License and Social Security Card | ** | | Mortgage Statement or Coupons | ** | | Other Documentation may be Required | ** | [Back to Resources](https://www.heritageunitedmortgage.com#resources) ## ** [Apply for Your Loan Today **](https://hum.mortgageexpressapp.com/borrower/signup/dphillips@gvcmortgage.com) ** # Visit Us ## Our Office Hours are Monday through Friday 9 AM – 5 PM ### Contact Us ## ** [Apply for Your Loan Today **](https://hum.mortgageexpressapp.com/borrower/signup/dphillips@gvcmortgage.com) **