Buy a Home

Find the right house to call your home.

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Let us recommend a mortgage that's a perfect fit

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There's a lot to love about working with us

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Friendly staff to help you through the process

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Competitive rates and flexible terms

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Options for low down payment

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Available for different property types

What to Expect When You Finance with PenAir

Your experience will vary depending on the type of mortgage loan you apply for. However, buying your home with PenAir generally goes something like this:

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Compare loan types, rates and terms

Review your mortgage choices, play around with PenAir’s mortgage calculators, and even contact a PenAir Mortgage Expert to find the best option for you.

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Apply for your loan

It’s a lot easier than you might think. Our online loan application is a fast and easy way to get your mortgage loan process started.

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Provide supporting documents

We provide secure online and offline options to send required documents to our underwriters. We know this is the boring part, but our Mortgage Team will make it as easy as possible.

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Get your pre-approval

This step lets you know what your approvable purchase and finance amount is, the rate and potential monthly payment for that amount. Let the house hunt begin.

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Lock in your rate and get final approval

If you are refinancing, this step can take place right after pre-approval. For a home purchase, the loan will move toward closing once you have had an offer accepted and the property details are submitted to our team.

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Review final loan documents

Once we have the required property information in hand and other document requirements have been met, we can generate the final loan documents for review before setting a closing date.

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Close on your new home

Now for the fun part. Once a closing date is set, loan documents will be delivered to the closing agent for signing and financial transactions will be coordinated to complete the process. And just like that — you’re home.

Crunch the numbers

What other numbers can we add for you? Let's Get Started

Need a little more information?

Being prequalified gives you an ESTIMATE of what you can borrow. Pre-approvals tell you what you can ACTUALLY borrow. A pre-approval states the specific loan amount that you’re eligible for. It’s not an estimate.

A pre-approved mortgage loan is valid for up to 60 days. After that, we will need to complete a second evaluation of your current financial situation including employment status, deposits and property value.

Making big financial decisions can be difficult

Buying a house and getting the most enjoyment from your home is the goal of these helpful articles.

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Schedule an Appointment

Schedule an appointment

Do you want an in-person or virtual appointment?

In-Branch Appointment

Jump the queue and set aside time to address your financial priorities.

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Virtual Appointment

Save the drive and meet with PenAir via phone or video.

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Specialty Appointments

For Wealth, Financial Counseling, and Mortgage Lending appointments, please follow the steps below.

Wealth Management

For help with retirement, rollovers, and portfolio management, call 850-505-3200 ext. 8332 to meet with a licensed Wealth Manager.

Financial Counseling

For help with your finances, schedule an appointment with a Financial Counselor.
Meet with a Financial Counselor

Mortgage Lending

For all Mortgage appointments, please call 850-505-3200 ext. 8360 or email the Mortgage Department.

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